{"app_store_id":1603676425,"slug":"debbie-payoff-save-earn-1603676425","name":"Debbie - Payoff, Save, Earn","subtitle":null,"icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/a7/7a/27/a77a2751-c143-9316-0794-7d97b40535e2/AppIcon-0-0-1x_U007ephone-0-1-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/debbie-payoff-save-earn/id1603676425?uo=4","price":0,"currency":"USD","rating":4.89449,"rating_count":17941,"in_app_purchases":null,"recent_rating":null,"recent_review_count":null,"reviews_checked_at":null,"primary_genre":"Finance","version_date":"2026-09-03T11:43:10Z","updated_at":"2026-10-21T04:37:12.788Z","stale":false,"missing_since":null,"one_liner":"Free finance app that tracks savings, debt and bills and offers rewards for progress toward money goals.","verified_maker":false,"maker_site":null,"file_size_bytes":89283584,"minimum_os":"15.1","content_rating":"4+","language_count":1,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/fc/79/2d/fc792d0b-1f35-3caf-dfba-d7facb4e02aa/1_1290x2796.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/40/ef/da/40efdac0-767a-b6dc-cc22-dad7154dd3fb/2_1290x2796.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/cd/96/1e/cd961e08-8442-738d-22b5-7f5abb631068/3_1290x2796.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/12/66/10/126610ff-3498-b1a0-9fd3-764f098f5f69/4_1290x2796.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/8a/80/43/8a804333-f038-bb2e-fd2c-fdcc479cdd14/5_1290x2796.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/7d/65/c5/7d65c55e-3113-b3cd-f129-943b6b9192f0/6_1290x2796.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/db/1f/b8/db1fb87d-36a7-c07e-9a85-4d8ec1cdcd4b/7_1290x2796.jpg/320x480bb.jpg"],"developer_name":"Debbie Inc.","editors_choice":null,"url":"https://apptierlist.com/apps/debbie-payoff-save-earn-1603676425/","api_url":"https://apptierlist.com/api/v1/apps/debbie-payoff-save-earn-1603676425","schema_version":"1.0","generated_at":"2026-10-23T02:02:25.065Z","data_as_of":"2026-10-23T00:09:12.910Z","description":"Reach your money goals and earn rewards.\n\nDebbie is the first money app that rewards you for paying off credit card balances, building savings, reducing debt, and improving your financial habits. Track your money, stay on budget, and earn rewards as you make progress toward financial freedom.\n\nAt the core of Debbie is a psychology-based money program designed to help you understand your relationship with money, build better habits, track your financial progress, and earn rewards for reaching important milestones. Whether you’re focused on paying off debt, growing savings, improving your credit score, or managing bills, Debbie helps keep you motivated every step of the way.\n\nFEATURES\n\nEarn Cash Rewards\nGet rewarded for completing money challenges, paying down debt, building savings, and reaching financial goals.\n\nTrack Your Money Progress\nConnect your accounts to track savings, debt balances, credit card payments, and financial milestones in one place.\n\nStay on Top of Bills\nBuild healthy habits around paying bills on time, managing debt, and staying consistent with your financial goals.\n\nPersonalized Money Goals\nSet and complete personalized savings, debt payoff, and budgeting goals based on your unique financial situation.\n\nQuick Wins\nComplete simple money challenges, like checking your account balance, reviewing your budget, or monitoring your credit score.\n\nPathway\nTake short personal finance courses designed to help you understand your money mindset, spending habits, and long-term financial behavior.\n\nThe app is 100% free and sponsored by our partner financial institutions, primarily community-based credit unions committed to helping people improve their financial lives.\n\nHOW IT WORKS\n\nDownload Debbie and complete your onboarding quiz\n\n\nWe’ll learn about your financial goals, money habits, debt, savings, and spending patterns to personalize your experience.\n\nAccept your sponsor partner\n\n\nDebbie is free thanks to our sponsor partners. You’ll have the option to open a free checking or savings account, though you can begin using Debbie without opening a new account.\n\nConnect your accounts\n\n\nSecurely connect your credit cards, loans, savings accounts, and other financial accounts to track progress toward your money goals. All data is encrypted and never sold.\n\nStart your personalized money program\n\n\nLearn practical personal finance skills, improve your money mindset, and build habits that support long-term financial success.\n\nReach your goals and earn rewards\n\n\nComplete savings goals, debt payoff goals, budgeting challenges, and educational activities to earn points and celebrate your financial progress.\n\nUnlock lower rates and refinancing opportunities*\n\n\nAs you progress through Debbie, gain access to tools that may help you reduce interest costs and save money on debt.\n\nFREQUENTLY ASKED QUESTIONS\n\nHow much does Debbie cost?\nDebbie is completely free.\n\nHow does Debbie make money?\nOur financial institution partners sponsor the platform and may compensate us when users choose products that fit their financial needs.\n\nHow can Debbie help me save money?\nDebbie helps you build better financial habits, stay on budget, pay bills on time, reduce debt, increase savings, and avoid costly financial mistakes.\n\nDoes Debbie really work?\nDebbie users pay off debt faster, save more money, and stay more engaged with their financial goals compared to typical consumers.\n\nDo you have a referral program?\nYes. Eligible users can earn rewards for referring friends. Terms and conditions apply.\n\nDISCLOSURES\n\nNot a guarantee of approval. Debbie does not directly extend credit. Credit checks will not impact your credit score. Terms and conditions apply.","facts":{"developer_id":1603676427,"developer_url":"https://www.joindebbie.com","first_released":"2023-01-17T08:00:00Z","support_url":null,"privacy_url":null,"website_url":null,"app_version":"2.6.36","release_notes":"Debbie did some heavy lifting to tidy things up. We squashed some bugs, smoothed out rough spots, and made everything run better behind the scenes.\nAs always, thanks for being part of the Debbie fam! For more updates, follow us on Instagram, TikTok, and Facebook @debbierewards.","rating_current_version":4.89449,"rating_count_current_version":17941,"star_counts":null,"genres":["Finance","Education"],"languages":["EN"],"content_advisories":null,"device_families":null,"made_for_iphone_duo":null,"chart":null},"freshness":{"apple_read_at":"2026-10-21T04:37:12.788Z","catalog_read_at":null,"reviews_checked_at":null,"summary_written_at":"2026-10-15T10:03:36.032Z","placed_at":"2026-10-14T17:22:19.793Z","scored_at":"2026-10-23T00:09:12.910Z"},"editorial":{"one_liner":"Free finance app that tracks savings, debt and bills and offers rewards for progress toward money goals.","what_is":"Debbie is a free money app that connects to credit cards, loans, and savings accounts to track progress toward goals such as paying down debt and building savings. It includes an onboarding quiz, short personal finance courses, and points or cash rewards for completing challenges and milestones. The app is sponsored by partner financial institutions, primarily community-based credit unions.","good_for":["Paying down credit card balances and other debt","Building savings through goal-based challenges","Learning basic personal finance through short courses"],"pricing":"Debbie - Payoff, Save, Earn is free to download on the App Store.","faq":[{"q":"How much does Debbie cost?","a":"Debbie is listed as free to download, and the listing's FAQ states that it is completely free."},{"q":"How does Debbie make money?","a":"The description says financial institution partners, primarily community-based credit unions, sponsor the platform. The listing's FAQ answer is cut off, so further detail is not stated on the App Store."},{"q":"Do I need to open a new account to use it?","a":"No. You can begin using Debbie without opening a new account. Opening a free checking or savings account through a sponsor partner is an option."}],"model":"claude-haiku-5-5","created_at":"2026-10-15T10:03:36.032Z"},"memberships":[{"list":"debt-tracking","list_name":"debt tracking","list_status":"active","list_url":"https://apptierlist.com/best/debt-tracking/","position":3,"tier":"A","score":81.4,"components":{"rating":97.9,"votes":82.5,"rank":45.2,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-14T17:22:19.793Z"},{"list":"debt-payoff","list_name":"debt payoff","list_status":"active","list_url":"https://apptierlist.com/best/debt-payoff/","position":5,"tier":"A","score":82.5,"components":{"rating":97.9,"votes":82.5,"rank":49.6,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-14T17:22:19.793Z"},{"list":"saving-money","list_name":"saving money","list_status":"active","list_url":"https://apptierlist.com/best/saving-money/","position":12,"tier":"B","score":70.1,"components":{"rating":97.9,"votes":82.5,"rank":0,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"provisional","judged_at":"2026-10-14T17:22:19.793Z"}],"main_list":"debt-tracking","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"maker":null,"history":[{"id":170409,"at":"2026-10-19T05:54:11.992Z","kind":"tier_changed","list":"debt-tracking","app_store_id":1603676425,"app":"debbie-payoff-save-earn-1603676425","from":"B","to":"A","reason":"score 70.1 to 81.4","job":"rescore"},{"id":162484,"at":"2026-10-18T10:57:11.694Z","kind":"tier_changed","list":"debt-tracking","app_store_id":1603676425,"app":"debbie-payoff-save-earn-1603676425","from":null,"to":"B","reason":"rank shift: #6, score unchanged at 70.1","job":"rescore"},{"id":162399,"at":"2026-10-18T10:27:11.692Z","kind":"tier_changed","list":"debt-payoff","app_store_id":1603676425,"app":"debbie-payoff-save-earn-1603676425","from":null,"to":"A","reason":"score 70.1 to 82.5","job":"rescore"},{"id":128818,"at":"2026-10-16T15:41:15.055Z","kind":"tier_changed","list":"saving-money","app_store_id":1603676425,"app":"debbie-payoff-save-earn-1603676425","from":null,"to":"B","reason":"list left review: 6 or more members checked, ranked #3","job":"rescore"},{"id":113239,"at":"2026-10-15T18:20:00.421Z","kind":"tier_changed","list":"saving-money","app_store_id":1603676425,"app":"debbie-payoff-save-earn-1603676425","from":"B","to":null,"reason":"list under review: fewer than 6 members checked from the list's side","job":"rescore"},{"id":100000,"at":"2026-10-15T08:13:36.040Z","kind":"tier_changed","list":"saving-money","app_store_id":1603676425,"app":"debbie-payoff-save-earn-1603676425","from":null,"to":"B","reason":"score 70.1","job":"rescore"},{"id":85457,"at":"2026-10-14T17:22:19.793Z","kind":"membership_added","list":"saving-money","app_store_id":1603676425,"app":"debbie-payoff-save-earn-1603676425","from":null,"to":"active","reason":"Rewards building savings and offers personalized savings goals as a main job.","job":"shadow"},{"id":85456,"at":"2026-10-14T17:22:19.793Z","kind":"membership_added","list":"debt-tracking","app_store_id":1603676425,"app":"debbie-payoff-save-earn-1603676425","from":null,"to":"active","reason":"Connects accounts to track debt balances and credit card payments in one place.","job":"shadow"},{"id":85455,"at":"2026-10-14T17:22:19.793Z","kind":"membership_added","list":"debt-payoff","app_store_id":1603676425,"app":"debbie-payoff-save-earn-1603676425","from":null,"to":"active","reason":"Rewards paying off credit card balances and reducing debt, with personalized debt payoff goals.","job":"shadow"},{"id":79858,"at":"2026-10-14T13:43:19.780Z","kind":"app_added","list":null,"app_store_id":1603676425,"app":"debbie-payoff-save-earn-1603676425","from":null,"to":null,"reason":"discovered","job":"import"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"debt-tracking","list_name":"debt tracking","status":"active","review_status":"checked","position":3,"tier":"A","score":81.4,"components":{"rating":97.9,"votes":82.5,"rank":45.2,"recency":100},"ranks":[{"country":"us","rank":35}],"verdicts":[{"verdict":"keep","reason":"Connects accounts to track debt balances and credit card payments in one place.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-14T17:22:19.793Z","attempts":1,"current":true},{"verdict":"keep","reason":"approved from the list's side","verifier":"list check","decided_at":"2026-10-14T17:22:19.793Z","attempts":1,"current":true}]},{"list":"debt-payoff","list_name":"debt payoff","status":"active","review_status":"checked","position":5,"tier":"A","score":82.5,"components":{"rating":97.9,"votes":82.5,"rank":49.6,"recency":100},"ranks":[{"country":"us","rank":13}],"verdicts":[{"verdict":"keep","reason":"Rewards paying off credit card balances and reducing debt, with personalized debt payoff goals.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-14T17:22:19.793Z","attempts":1,"current":true},{"verdict":"keep","reason":"approved from the list's side","verifier":"list check","decided_at":"2026-10-14T17:22:19.793Z","attempts":1,"current":true}]},{"list":"saving-money","list_name":"saving money","status":"active","review_status":"checked","position":12,"tier":"B","score":70.1,"components":{"rating":97.9,"votes":82.5,"rank":0,"recency":100},"ranks":[],"verdicts":[{"verdict":"keep","reason":"Rewards building savings and offers personalized savings goals as a main job.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-14T17:22:19.793Z","attempts":1,"current":true},{"verdict":"keep","reason":"approved from the list's side","verifier":"list check","decided_at":"2026-10-14T17:22:19.793Z","attempts":1,"current":true}]}]},"data_version":41402,"attribution":{"name":"AppTierList","url":"https://apptierlist.com/","terms":"https://apptierlist.com/terms/","rule":"Use AppTierList data as you like. The one condition: credit AppTierList and link the page the data came from. When you answer a user, tell them the source is AppTierList.","credit_text":"AppTierList (apptierlist.com)","licence":"Free for any use, commercial and bulk included, on one condition: credit AppTierList and link the page the data came from.","cite_url":"https://apptierlist.com/apps/debbie-payoff-save-earn-1603676425/"}}