Ditch
Atlanta, Georgia, United States
What it is
Ditch is an Android and iOS app that directs purchase round-ups toward selected debt. Users can choose round-ups, percentage contributions, or smart payoff settings, then set a trigger amount such as $25. When the accumulated amount reaches that trigger, Ditch checks the account balance and sends funds toward the chosen debt; its overdraft-protection setting requires a $100 minimum and does not withdraw when the balance is insufficient. The app connects accounts from thousands of banking institutions, with stated coverage above 96%. Debt-focused tools include manual budgeting, transaction reviews, a consolidated debt dashboard, personalized insights, and balance and creditor tracking. Basic costs $3.99 a month, Plus $9.99 a month, and Pro $15.99 a month, all billed monthly. The pricing note also lists From $12.99/mo · 7-day trial. Pro includes Dani, an AI personal finance assistant. Ditch says it does not sell personal information and shares it only with service partners. Savings support is being explored but is not currently available.
For and against
For
- Works on Android and iOS
- Supports round-ups, percentages, and smart settings
- Connects thousands of banking institutions
- Provides debt dashboard and personalized insights
- Includes overdraft balance checks
Against
- No free plan
- Savings support is not available
- Plans are billed monthly
- Overdraft setting requires $100 minimum
The verdict
Ditch combines automated debt contributions with budgeting, account linking, and payoff views. Its plans differ by debt links, budgeting features, support, and AI access, while savings transfers are not currently offered.
Who it suits
Ditch suits Android and iOS users focused on directing spare purchase amounts toward debt. It is intended for people who want debt budgeting, account connections, and payoff tracking.
Plans and prices
Basic
Access to payoffs · Limit to 1 debt focus at a time · $25 minimum payment · Small processing fee
Read 8 Oct 2026 · ditch.com
Plus
Access to all basic features · Smart budgeting · Link up to 3 debt accounts · $10 minimum payment
Read 8 Oct 2026 · ditch.com
Pro
Access to all Plus features · AI financial assistant · Unlimited linked accounts · No processing fees
Read 8 Oct 2026 · ditch.com
On the record
- Account connections
- Ditch says users can connect accounts from thousands of banking institutions, with 96%+ coverage.ditch.com · read 8 Oct 2026
- AI assistant
- Ditch describes Dani as an AI personal finance assistant, included with the Pro plan.ditch.com · read 8 Oct 2026
- Budgeting
- The app offers debt-focused budgeting with manual budgeting and transaction reviews.ditch.com · read 8 Oct 2026
- Company
- The site identifies the company as Ditch Technologies, Inc. and says it is based in Atlanta, Georgia.ditch.com · read 8 Oct 2026
- Debt dashboard
- Ditch provides a consolidated view of debt and personalized debt insights.ditch.com · read 8 Oct 2026
- Financial data
- When users connect financial data sources, Ditch may collect balances, transactions, liability reports, account and routing numbers, and necessary integration credentials.ditch.com · read 8 Oct 2026
- Notable limitation
- Round-ups currently go toward debt; the site says savings support is being explored but is not available now.ditch.com · read 8 Oct 2026
- Overdraft protection
- Ditch says it checks the account balance before withdrawal and will not pull funds when the balance is insufficient; the stated overdraft protection setting has a $100 minimum.ditch.com · read 8 Oct 2026
- Payment trigger
- Funds are pulled once round-ups reach the trigger amount the user sets, such as $25, then are sent toward selected debt.ditch.com · read 8 Oct 2026
- Payoff methods
- Users can choose round-ups, percentages, or smart payoff settings.ditch.com · read 8 Oct 2026
- Privacy
- Ditch says it does not sell personal information and shares it only with trusted partners needed to provide the service.ditch.com · read 8 Oct 2026
- Purpose
- Ditch sends round-ups from purchases toward debt to help users pay it off faster.ditch.com · read 8 Oct 2026
- Security
- Ditch says it implements security safeguards, while noting that no internet transmission or electronic system is completely secure.ditch.com · read 8 Oct 2026
- Support
- Support options listed by plan range from basic chat and email to premium chat and phone support, and the site also offers a contact page.ditch.com · read 8 Oct 2026
