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SPECIFICTION
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Ditch

ditch.io

From $3.99/mo Free trial iOSAndroid
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Spec score 7.9 #11 of 23 in Debt Management Software

What it is

Ditch directs purchase round-ups toward a selected debt, with additional options for percentages or smart payoff settings. Users set a trigger amount, such as $25; once round-ups reach it, funds are pulled and sent toward that debt. The app also offers debt-focused budgeting, manual budgeting, transaction reviews, a consolidated debt dashboard and personalized debt insights. Ditch says it connects to accounts from thousands of banking institutions, with 96%+ coverage. Before withdrawing, it checks the account balance and says it will not take funds if the balance is insufficient; the overdraft protection setting has a $100 minimum. Dani, an AI personal finance assistant, is included with Pro. The app is available on Android and iOS. Plan details list Basic at $3.99 a month, Plus at $9.99 a month and Pro at $15.99 a month, all billed monthly. The pricing note also says from $12.99/mo and gives a 7-day trial. The site says round-ups currently go toward debt; savings support is being explored but is not available now. Ditch Technologies, Inc. is based in Atlanta, Georgia.

Spec sheet

Purpose
Ditch sends round-ups from purchases toward debt to help users pay it off faster.Read 8 Oct 2026 · ditch.com
Security
Ditch says it implements security safeguards, while noting that no internet transmission or electronic system is completely secure.Read 8 Oct 2026 · ditch.com
Privacy
Ditch says it does not sell personal information and shares it only with trusted partners needed to provide the service.Read 8 Oct 2026 · ditch.com
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.Read 8 Oct 2026 · ditch.com
Headquarters
Atlanta, Georgia, United StatesRead 28 Sep 2026 · ditch.io
Company
The site identifies the company as Ditch Technologies, Inc. and says it is based in Atlanta, Georgia.Read 8 Oct 2026 · ditch.com
Account connections
Ditch says users can connect accounts from thousands of banking institutions, with 96%+ coverage.Read 8 Oct 2026 · ditch.com
AI assistant
Ditch describes Dani as an AI personal finance assistant, included with the Pro plan.Read 8 Oct 2026 · ditch.com
Budgeting
The app offers debt-focused budgeting with manual budgeting and transaction reviews.Read 8 Oct 2026 · ditch.com
Debt dashboard
Ditch provides a consolidated view of debt and personalized debt insights.Read 8 Oct 2026 · ditch.com
Financial data
When users connect financial data sources, Ditch may collect balances, transactions, liability reports, account and routing numbers, and necessary integration credentials.Read 8 Oct 2026 · ditch.com
Notable limitation
Round-ups currently go toward debt; the site says savings support is being explored but is not available now.Read 8 Oct 2026 · ditch.com
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.Read 8 Oct 2026 · ditch.com
Payment trigger
Funds are pulled once round-ups reach the trigger amount the user sets, such as $25, then are sent toward selected debt.Read 8 Oct 2026 · ditch.com
Payoff methods
Users can choose round-ups, percentages, or smart payoff settings.Read 8 Oct 2026 · ditch.com

Plans and prices

Basic $3.99 a month Billed monthly. Access to payoffs · Limit to 1 debt focus at a time · $25 minimum payment · Small processing fee · Basic chat and email support Read 8 Oct 2026 · ditch.com
Plus $9.99 a month Billed monthly. Access to all basic features · Smart budgeting · Link up to 3 debt accounts · $10 minimum payment · No processing fees · Premium chat support Read 8 Oct 2026 · ditch.com
Pro $15.99 a month Billed monthly. Access to all Plus features · AI financial assistant · Unlimited linked accounts · No processing fees · Premium chat and phone support Read 8 Oct 2026 · ditch.com

Every Ditch plan and price →

Strong points and limits

Strong points

  • Offers round-ups, percentages and smart payoff settings
  • Shows consolidated debt and personalized insights
  • Checks balance before withdrawals
  • Plus and Pro have no processing fees

Limits

  • Round-ups currently target debt, not savings
  • Overdraft protection setting requires a $100 minimum
  • Basic has a $25 minimum payment

Who it suits

Ditch suits people who want to direct round-ups or other configured amounts toward debt and review debt-focused budgets. It is available for Android and iOS.

Verdict

Ditch pairs debt payoff transfers with budgeting, transaction review and debt tracking. Its plan details list three monthly tiers, while the pricing note separately states a starting price of $12.99/mo.

Where Specifiction places it

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