Debt Payoff Planner vs Ditch
Debt Payoff Planner
debtpayoffplanner.com
Ditch
ditch.ioSide by side
| Figure | Debt Payoff Planner | Ditch |
|---|---|---|
| Price from | $2/mo | $3.99/mo |
| Free plan | Yes | — |
| Free trial | — | Yes |
| Open source | — | — |
| Web | Yes | — |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| Plans published | 2 | 3 |
| Spec score · Debt Management Software | 8.2 (#5) | 7.9 (#11) |
| Account connections | The support FAQ says the app does not connect to users’ financial accounts, so payments must be entered manually. | Ditch says users can connect accounts from thousands of banking institutions, with 96%+ coverage. |
| Headquarters | Oregon, United States | Atlanta, Georgia, United States |
| Purpose | Debt Payoff Planner helps people create and follow a plan to become debt-free. | Ditch sends round-ups from purchases toward debt to help users pay it off faster. |
| Support | Users can email [email protected] for questions, comments, or suggestions. | 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. |
Plans
In their own words
Debt Payoff Planner
Debt Payoff Planner is a tool for building and following a plan to become debt-free. It supports debt avalanche, debt snowball, and custom payoff orders, and lets users compare how monthly or biweekly extra payments may change the payoff timeline. Debt records can include promotional APRs, payment frequency, due dates, and minimum payment calculations. Users enter payments and new expenses themselves; the planner then updates balances and the payoff plan. It does not connect to financial accounts. The service runs on Android, iOS, and web. Its Free plan is free, and Pro is $2 a month. The maker describes Pro as adding features for more complex situations and says multi-device access is available to Pro members. An account provides secure login and backed-up data, according to the maker. The product is intended for people managing debts such as credit cards, car loans, or student loans on an ordinary income. Its information is not official financial advice.
Ditch
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.