Ditch: Pay Off Debt Faster

• Free to download
• In-app purchases

Last verified 31 Jul 2026

4.8 1621 ratings · App Store

1. 5/5I didn’t know how to tackle debt, now I do.

   Highlights for this app: Easy user interface (I didn’t need a training manual to figure it out!). Quick connections to external accounts (not just credit cards but student and personal loans too). I’ve always hated the process of linking each account; this took maybe a minute. I like that you can get quick information from the chat feature. But my favorite part (and probably the most useful) 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.

   fraazyy · 31 Jul 2026

2. 5/5Simply yet effective UI

   I just started using ditch to pay off my remaining consumer debt and am so impressed with the UI! I’m 28, live in Wisconsin, and am an engineer and am working on a goal of becoming debt free before 30. I was pleasantly surprised at how easy it was to set up payoffs and pick which multiplier I wanted to use. It’s so cool how Ditch looks at your prior spending to estimate what extra payment you’ll be making based on which multiplier you select! I also appreciate how Ditch compares my debt amount to the national average. It helps gauge where I’m at vs. where I’m supposed to be. I’ve really enjoyed Ditch so far and am excited to continue to use it in 2025.

   LibbyBontheLabel · 31 Jul 2026

3. 1/5Why Not Offer a Free Version? Keep the App Experience Clean

   Hey, cool idea, but I wanted to share some feedback from a developer’s perspective. I don’t understand why the app forces users into a subscription right from the start. While I get that you might rely on premium services (like AI integrations or Plaid), why not adopt a freemium model? It would be great to allow users to explore the app first, even in a limited capacity, to see if it meets their needs before committing to a subscription. For example, you could offer a demo mode to showcase features, like what the Copilot financial app does. Alternatively, you could allow access to basic features to encourage users to explore and feel confident about subscribing. Even offering a 1-2 month free trial could help users experience the app’s benefits without feeling locked out from the start. Overall, I think it’s a good concept, and I appreciate the innovation. However, the onboarding experience feels a bit restrictive with the current paywall. Giving users a chance to see the app in action before subscribing could go a long way in building trust and improving user experience. Best of luck with the app, and I hope you continue growing and expanding to other countries! Thanks for your hard work!

   vividond · 31 Jul 2026

4. 5/5Give it a genuine try!

   I absolutely love the Ditch app. It has turned paying off my debt into something that actually feels fun, almost like a game. Using it opened my eyes to how much money I was really spending and how fast the little things add up. Now, checking Ditch has become my daily dopamine hit instead of scrolling through social media. It gave me the jumpstart I needed to finally get the ball rolling on paying down my debt, and honestly… I’m addicted in the best way. If you’re trying to get motivated, stay consistent, or just want a clearer picture of your spending, this app is a total game-changer. Highly recommend.

   Danielleechristine · 31 Jul 2026

5. 5/5Highly recommend!

   Ditch is an app that has helped me in so many ways. 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. It gave me insight that no other app or website has been able to give me in the past, which has helped me to prioritize which debt to focus on first and the best way to pay it off. I also love that I can ask dash (the chat feature) questions and it will give me personalized answers based on my own debt and previous spending. I would 10/10 recommend ditch to everyone!!

   Libbie03 · 31 Jul 2026

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