$10,100,000.00 paid off

The best app to pay off debt faster

Small Payments. Big Progress.
Send round ups of all of your purchases directly toward your debt with Ditch.

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Getting started is easier than you think

We've created a simple, immersive onboarding experience that generally takes around four minutes to complete. Once done, you'll be paying off debt with every purchase.

STEP 1

Link your accounts

With 96%+ coverage, connect from thousands of banking institutions.

STEP 2

Set up your Payoffs

Choose between round ups, percentages or smart.

STEP 3

Watch your debt get paid

Sit back and enjoy watching your debt get paid off.

Powerful features that set us apart and you ahead

All the essentials for debt repayment built in to one intuitive experience. Automated Payoffs, smarter spending, a powerful debt dashboard, and additional ways to earn.

Effortlessly Pay Down Debt

Get out of debt faster and save on interest with automated Payoffs that help you send spare change from everyday purchases to your debt.

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Spend less than you make

Simple debt focused budgeting built by experts to harnesses the psychological power of manual budgeting with tinder-like transaction reviews.

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Manage your debt in one place

Stay on track with a consolidated view of your debt and review personalized debt insights, so you feel in control of your full debt picture.

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People like you, love us...

The best part is that Ditch automatically sets up payments based on my preferences. Once I’ve hit that threshold, they initiate the payment for me. I don’t really have to monitor or take action unless I want to!

Christy

Apple Store

Incredibly easy to pay off debt without much thought. Interface is so easy to use. I’d recommend to anyone with debt, large or small. I do wish they could link with smaller banks, such as my auto loan.

Brandon

Apple Store

I never write review yet here we are. I’ve paid off $1,800. Pretty unbelievable because I never feel the payments go out of my account. Props to the team.

Skylar

Apple Store

"Just the app you need to focus on paying down your debt. I've tried a few and this is the one I've stuck with. I think it'll finally get me to hit my financial goals for this year!"

Brynn

Apple Store

I don’t normally write reviews but I have been using Ditch for a few months now and paid off $2,350 off my student loans. Getting set up was not as easy as I’d like but definitely worth it. Five starts for me.

Libbie

Apple Store

Awesome having found an app that demystifies the puzzle of getting out of my debt. Really cool AI type feature too.

Kyler

Apple Store

More from our team

Some thoughts from our team, a little bit of this, and a little bit of that.

The Latte Isn’t the Problem (But Here’s What Might Be)

Cutting small joys isn’t the key to financial freedom. This post explores why focusing only on coffee runs or eating out misses the point, and how extra payments + Dani can make a bigger difference.

Debt-Free Era Loading…

Paying off debt isn’t about one giant leap—it’s about tracking progress and staying motivated. Here’s how celebrating small wins makes the journey sustainable.

Accountability: The Secret Ingredient Nobody Talks About

Money management isn’t just math—it’s behavior. This post breaks down why accountability matters as much as budgeting, and how Dani is built to fill that gap.

Frequently Asked Questions

What to know before you download Ditch, from how it works to how we protect your money.

Is there a free trial available?

Yes. Every new user gets a 7-day free trial to link their accounts, set up payoffs, and experience how the app works. You won’t be charged until the trial ends, and you can cancel at any time before then.

Why do you charge if I'm trying to get out of debt?

We charge a fee to cover the costs of connecting to your accounts, automating payments, and providing ongoing support. It’s designed to be far less than the interest you save by paying down debt faster. It's an investment in your debt-free future.

When do you actually take funds from my account?

Ditch tracks your round-ups as you spend, but the money stays in your bank account until they add up to a payment: $10 for your first, then every $20 (or an amount you choose). We’ll let you know before each payment goes out, and you’ll have 24 hours to cancel if you need to.

Will you overdraft my account?

No. You configure your overdraft protection ($100 minimum). We always check your account balance before initiating a withdrawal. If there aren’t enough funds available, we won’t pull money, so you’re protected from us causing an overdraft.

Do you ever sell my data?

Never. Your financial data is private and securely encrypted. We don’t sell your personal information or share it with third parties beyond the trusted partners required to provide our service. It's part of the reason you pay for the product.

Can I send round-ups to savings?

Not yet! Right now all round-ups go toward reducing what you owe, and savings support is something we’re exploring.

Questions about your Ditch account?

Reach out via in-app support for questions about payments, billing, or using the app.

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Ready to Ditch your debt?

Ditch allows partners to offer a financial wellness benefit that fits the financial wellness needs of the generation that's slowly but surely making up the majority of the workforce.

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