Ditch
Ditch is an Android and iOS app that directs purchase round-ups toward selected debts.
What Ditch is
Ditch is an Android and iOS app that directs purchase round-ups toward selected debts. Users can choose round-ups, percentages, or smart payoff settings, then set a trigger such as $25; when the amount is reached, Ditch pulls the funds and sends them toward the chosen debt. It connects accounts from thousands of banking institutions, with stated coverage above 96%, and includes manual budgeting, transaction reviews, a consolidated debt dashboard, and personalized debt insights. Balance checks are made before withdrawals, and the service says it will not pull funds when the balance is insufficient; its overdraft-protection setting has a $100 minimum. Plans are Basic at $3.99 a month, Plus at $9.99 a month, and Pro at $15.99 a month, billed monthly. A 7-day trial is listed, and Pro includes Dani, an AI personal finance assistant. Savings round-ups are not currently available.
Good
- Supports round-ups, percentages, and smart settings
- Connects thousands of banking institutions
- Provides debt dashboard and personalized insights
- Checks balances before withdrawals
- Available on Android and iOS
Watch out
- No free plan
- Savings support is not currently available
- Overdraft protection requires a $100 minimum
- Monthly plans and processing terms vary
Who it suits
Ditch suits mobile users focused on directing spare purchase amounts toward debt. It fits people who want debt budgeting, account linking, and payoff tracking.
Verdict
Ditch combines automated payment triggers with debt budgeting and account tracking. It is centered on debt payoff rather than savings, with paid monthly plans and a 7-day trial.
Plans and prices
From Ditch's own pricing page, checked 8 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Basic | $3.99 a month | Access to payoffs · Limit to 1 debt focus at a time · $25 minimum payment · Small processing fee · Basic chat and email support · Billed monthly. |
| Plus | $9.99 a month | Access to all basic features · Smart budgeting · Link up to 3 debt accounts · $10 minimum payment · No processing fees · Premium chat support · Billed monthly. |
| Pro | $15.99 a month | Access to all Plus features · AI financial assistant · Unlimited linked accounts · No processing fees · Premium chat and phone support · Billed monthly. |
The facts
Each one read from Ditch's own pages, with the date it was checked.
What it does
- Account connections
- Ditch says users can connect accounts from thousands of banking institutions, with 96%+ coverage.checked 8 Oct 2026
- AI assistant
- Ditch describes Dani as an AI personal finance assistant, included with the Pro plan.checked 8 Oct 2026
- Budgeting
- The app offers debt-focused budgeting with manual budgeting and transaction reviews.checked 8 Oct 2026
- Debt dashboard
- Ditch provides a consolidated view of debt and personalized debt insights.checked 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.checked 8 Oct 2026
- Notable limitation
- Round-ups currently go toward debt; the site says savings support is being explored but is not available now.checked 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.checked 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.checked 8 Oct 2026
- Payoff methods
- Users can choose round-ups, percentages, or smart payoff settings.checked 8 Oct 2026
- Privacy
- Ditch says it does not sell personal information and shares it only with trusted partners needed to provide the service.checked 8 Oct 2026
- Purpose
- Ditch sends round-ups from purchases toward debt to help users pay it off faster.checked 8 Oct 2026
- Security
- Ditch says it implements security safeguards, while noting that no internet transmission or electronic system is completely secure.checked 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.checked 8 Oct 2026
The company
- Company
- The site identifies the company as Ditch Technologies, Inc. and says it is based in Atlanta, Georgia.checked 8 Oct 2026
- Headquarters
- Atlanta, Georgia, United Stateschecked 28 Sep 2026
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