Ditch vs Payoff

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.

Payoff is a debt payoff planner for Android and iOS, with debt tracking, payoff strategies, AI coaching, and a savings planner. Users add debts manually; Payoff says it does not need bank access or bank logins. Its free plan covers two debts, Snowball and Avalanche strategies, five AI Coach messages per month, payment reminders, and milestone celebrations. Premium costs £49.99 a year and adds unlimited debts, all seven strategies, unlimited coaching, What-If scenarios, Focus Mode, Smart Import, a savings and investment planner, and CSV import and export. Household costs £79.99 a year and adds two accounts, Partner Mode, split payment tracking, and a shared AI coach. What-If scenarios update projected debt-free dates and interest savings as users change extra monthly payments. The app supports English, Spanish, Portuguese, French, German, Japanese, Korean, Simplified Chinese, and Italian, plus multiple currencies. Data is stored locally, with optional syncing to Supabase hosted on AWS. Payoff says its AI Coach provides general information, not professional financial, tax, legal, or investment advice. The website invites visitors to join a waitlist for launch.