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Changed
Chicago, Illinois, United States
What it is
Changed is a debt payoff app that rounds up purchases and directs the saved amounts toward debt or financial goals. Members can divide savings between repayment and goals such as an emergency fund or down payment. Roundup transfers occur once savings reach $5; members can choose transaction types, a multiplier and the pace. Loans and spending accounts can be linked, and loan information can also be entered manually. The app supports scheduled extra payments and one-off payments, with snowball, avalanche or custom payoff strategies. It sends debt payments when a Payoff account reaches $25, $50 or $100. Changed also tracks credit score information and provides insights on credit usage, on-time payments and new accounts. Members can pause transfers for 15, 30 or 60 days, or help pay a loved one's debt by entering loan details and directing payments. The app is available on Android and iOS. There is no free plan; the annual plan starts at $4/month. Changed says it is not a bank and that banking services are provided by nbkc bank, Member FDIC.
For and against
For
- Splits savings between debt and financial goals.
- Offers snowball, avalanche and custom payoff strategies.
- Supports scheduled extra and one-off payments.
- Transfers can be paused for 15, 30 or 60 days.
- Available on Android and iOS.
Against
- No free plan; annual plan starts at $4/month.
- Payments are sent at Payoff account thresholds of $25, $50 or $100.
- Some Plus and Premium plan details are available only in the app.
The verdict
Changed combines purchase roundups with several ways to direct extra payments and savings. Before signing up, note the annual-plan pricing, payment thresholds and its statement that it is a financial technology company rather than a bank.
Who it suits
Changed may suit borrowers who want to direct purchase roundups toward debt while setting aside money for other goals. It also supports people helping a loved one repay debt through manually entered loan details.
Plans and prices
Changed
Annual plan; additional Plus and Premium plans are mentioned, with details available in the app
Read 3 Oct 2026 · support.gochanged.com
On the record
- Banking arrangement
- Changed says it is a financial technology company, not a bank, and that banking services are provided by nbkc bank, Member FDIC.gochanged.com · read 3 Oct 2026
- Connected accounts
- Members can link loans and spending accounts, and Changed says it supports most financial institutions while allowing manual loan entry.gochanged.com · read 3 Oct 2026
- Credit insights
- The app tracks credit score information and provides insights on credit usage, on-time payments, and new accounts.gochanged.com · read 3 Oct 2026
- Family use
- Changed lets a member help pay a loved one's debt by entering loan details manually and choosing where payments go.gochanged.com · read 3 Oct 2026
- Intended users
- Changed describes its service as helping borrowers pay down student loans and other debt while saving toward financial goals.gochanged.com · read 3 Oct 2026
- Pause controls
- Members can pause transfers for 15, 30, or 60 days.gochanged.com · read 3 Oct 2026
- Payment thresholds
- Changed says it sends debt payments when a Payoff account reaches $25, $50, or $100.gochanged.com · read 3 Oct 2026
- Payoff options
- Members can schedule extra payments, make one-off payments, and choose the snowball, avalanche, or a custom payoff strategy.gochanged.com · read 3 Oct 2026
- Purpose
- Changed is a debt payoff app that rounds up purchases and uses the savings to help pay down debt.gochanged.com · read 3 Oct 2026
- Roundup transfers
- Changed transfers roundup savings when they reach $5, and members can choose transaction types, a multiplier, and pace.gochanged.com · read 3 Oct 2026
- Savings goals
- The app lets members split savings between debt payoff and goals such as an emergency fund or down payment.gochanged.com · read 3 Oct 2026
- Security
- Changed says account information is protected with bank-level encryption.gochanged.com · read 3 Oct 2026
- Support
- Changed directs users to its Help Center for answers to common questions and provides a support contact page.gochanged.com · read 3 Oct 2026
