Pay off your debt faster with AI

Use your round ups to pay off your debt, plan your payments and see your progress, all in one spot

Use Ditch for free now

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Whether you are struggling with debt, or just looking to stay out of it, Ditch serves as a debt companion for you.

With a member-centered experience, and powerful features, Ditch is the full spectrum solution for your personal finance needs.

All

Debt types covered

6k+

Institutions covered

How it works

Step 1. Link your accounts

Step 2. Set up a payoff accelerator

Step 3. Decrease your debt as you spend

And that's just the start

Ditch comes packed with features that help reduce the amount of money you spend on interest each month. Here are a few:

Payoffs towards your debt

With our payoff accelerators, you can make small, manageable payments on your debt while you spend.

Insights on your debt

See where you fall compared to others in your generation and get recommendations on which debt to tackle fist.

Insights on your spending

Review spending, get AI-generated budgets, and set goals with our debt-focused budgeting tool.

AI financial concierge

Get personalized answers to your finance questions about your debt, transactions, and account balances.

Gamified learning

Engage in interactive courses and quizzes to enhance your financial literacy and maintain an educational streak.

Personalized reminders

Receive reminders for payments, financial tips, spending alerts, and more, tailored just for you.

Don't just take our word for it - see what our satisfied members have to say about our app!

"My favorite part is that I know exactly how to tackle paying down my debt, by how much and which debt. I also can see how extra payments would impact me in terms of pay-down timeline and the cost of interest. This app has made me feel more in control of my finances."

Jen, App Store

"I have been on the search for a functioning finance/budgeting app that can help me get ahold of my debt, weekly spending, and help me stay on top of all the credit cards I own. This app is a total game changer! Thank you for providing me with an app I ABSOLUTELY NEEDED!"

Torrence, App Store

"At the end of every month I'm always terrified to look at my credit card statements. This app has totally changed my perspective and I'm now proactive in helping myself get out of debt. I don't just get the scary number, but I get a plan as to how to achieve my goals. Love it."

Luis, App Store

"As someone with student loan debt, a car loan, and a small amount of credit card debt, Ditch has taught me a new way to approach repayment. ... I would 10/10 recommend Ditch to everyone!!"

Libbie, App 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!"

Jazz, App Store

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

Lucas, App Store

Member Pricing

We only make money when you make money. Ditch is free to use when you turn on Payoffs but we charge a small processing fee on payments that goes to your debt. If you don't want to turn on Payoffs, you can subscribe.