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Pay off debt faster with AI and automation

Send round ups of your purchases automatically towards your debt, and chat you with your own AI personal finance assistant

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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

Choose from thousands of banking institutions, we cover 96%+, try us.

STEP 2

Set up your payoff settings

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. Smarter spending, automated payoffs, a powerful debt dashboard and AI powered guidance and accountability.

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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Work with an AI personal finance assistant

Talk to a smarter, better, and faster personal finance assistant than any personal finance coach.

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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

Pricing

You can try Ditch for free for 7 days, then pay a monthly fee. Most of our users save 10x their subscription cost on interest. Plus paying for the product means you're not the product.

Basic

$3.99

Billed monthly.

Access to payoffs
Limit to 1 debt focus at a time
$25 minimum payment
Small processing fee
Basic chat and email support

Get started

Basic

$3.99

Billed monthly.

Access to payoffs
Limit to 1 debt focus at a time
$25 minimum payment
Small processing fee
Basic chat and email support

Get Started

Plus

$9.99

Billed monthly.

Access to all basic features
Access to smart budgeting
Link up to 3 debt accounts
$10 minimum payment
No processing fees

Get started

Plus

$9.99

Billed monthly.

Access to all basic features
Access to smart budgeting
Link up to 3 debt accounts
$10 minimum payment
No processing fees
Premium chat support

Get Started

Pro

$15.99

Billed monthly.

Access to all Plus features
Acess to AI financial assistant
Unlimited linked accounts
No processing fees
Premium chat and phone support

Get started

Pro

$15.99

Billed monthly.

Access to all Plus features
Acess to AI financial assistant
Unlimited linked accounts
No processing fees
Premium chat and phone support

Get Started

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FAQ

Whether you're curious about Silk's features, data handling capabilities, or integration options, we've got you covered.

Is there a free trial available?

Yes. Every new user gets a 7 day free trial period 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 to your debt free future.

When do you actually take funds from my account?

Funds are only pulled once your round-ups reach the trigger amount you’ve set (for example $25). At that point, we automatically withdraw the funds and send them toward your selected debt so we don't overcrowd your checking account.

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 never have to worry about 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?

Right now round-ups are designed to pay down debt, since that has the biggest financial impact. Savings support is something we’re exploring, but today all round-ups go directly toward reducing what you owe.

Still have questions?

Can’t find the answer you’re looking for? Please chat to our friendly team.

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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