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SPECIFICTION
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Changed

gochanged.com

From $4/mo iOSAndroid
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Spec score 8.0 #8 of 23 in Debt Management Software

Spec sheet

Purpose
Changed is a debt payoff app that rounds up purchases and uses the savings to help pay down debt.Read 3 Oct 2026 · gochanged.com
Intended users
Changed describes its service as helping borrowers pay down student loans and other debt while saving toward financial goals.Read 3 Oct 2026 · gochanged.com
Security
Changed says account information is protected with bank-level encryption.Read 3 Oct 2026 · gochanged.com
Support
Changed directs users to its Help Center for answers to common questions and provides a support contact page.Read 3 Oct 2026 · gochanged.com
Headquarters
Chicago, Illinois, United StatesRead 28 Sep 2026 · gochanged.com
Founded
2017Read 28 Sep 2026 · gochanged.com
Banking arrangement
Changed says it is a financial technology company, not a bank, and that banking services are provided by nbkc bank, Member FDIC.Read 3 Oct 2026 · gochanged.com
Connected accounts
Members can link loans and spending accounts, and Changed says it supports most financial institutions while allowing manual loan entry.Read 3 Oct 2026 · gochanged.com
Credit insights
The app tracks credit score information and provides insights on credit usage, on-time payments, and new accounts.Read 3 Oct 2026 · gochanged.com
Family use
Changed lets a member help pay a loved one's debt by entering loan details manually and choosing where payments go.Read 3 Oct 2026 · gochanged.com
Pause controls
Members can pause transfers for 15, 30, or 60 days.Read 3 Oct 2026 · gochanged.com
Payment thresholds
Changed says it sends debt payments when a Payoff account reaches $25, $50, or $100.Read 3 Oct 2026 · gochanged.com
Payoff options
Members can schedule extra payments, make one-off payments, and choose the snowball, avalanche, or a custom payoff strategy.Read 3 Oct 2026 · gochanged.com
Roundup transfers
Changed transfers roundup savings when they reach $5, and members can choose transaction types, a multiplier, and pace.Read 3 Oct 2026 · gochanged.com
Savings goals
The app lets members split savings between debt payoff and goals such as an emergency fund or down payment.Read 3 Oct 2026 · gochanged.com

Plans and prices

Changed $4 a month Starting at $4/month if you choose an annual plan Annual plan; additional Plus and Premium plans are mentioned, with details available in the app Read 3 Oct 2026 · support.gochanged.com

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Where Specifiction places it

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