Ditch vs unbury.me

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.

unbury.me is a web-based loan calculator for planning debt payoff. It generates an optimized payment plan intended to minimize interest and help users become debt-free faster. Two strategies are available: Avalanche prioritizes the highest interest rate, while Snowball prioritizes the lowest principal. The calculator supports balance tracking, and users can save loan information so they do not need to re-enter it. The project began as a small effort in 2011 and has helped thousands of users plan debt strategies. Its Free plan costs nothing, is always free, and requires no login; there is no free trial. The privacy policy describes reasonable safeguards for personal information and says data is retained only as long as necessary for its purposes. The terms do not warrant the accuracy, likely results, or reliability of the materials. Users can email feature suggestions, bug reports, and partnership inquiries.