{"app_store_id":6466198208,"slug":"ditch-pay-off-debt-faster-6466198208","name":"Ditch: Pay Off Debt Faster","subtitle":null,"icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/79/bb/6c/79bb6c74-bb64-21fd-9644-7e93005340e3/AppIcon-0-0-1x_U007emarketing-0-11-0-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/ditch-pay-off-debt-faster/id6466198208?uo=4","price":0,"currency":"USD","rating":4.82937,"rating_count":3915,"in_app_purchases":null,"recent_rating":null,"recent_review_count":null,"reviews_checked_at":null,"primary_genre":"Finance","version_date":"2026-10-16T17:51:00Z","updated_at":"2026-10-21T12:59:13.214Z","stale":false,"missing_since":null,"one_liner":"Sends spare cents from your purchases to your loans, with debt tracking and an AI financial assistant.","verified_maker":false,"maker_site":null,"file_size_bytes":80657408,"minimum_os":"15.0","content_rating":"17+","language_count":1,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/a6/1a/03/a61a03a7-98ed-ca31-aa99-e7f4b969ccbd/6.9_Image_1_03.18.2026.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/82/b2/dd/82b2dd8e-497f-28d4-840b-0e696969c029/6.9_Image_2_03.18.2026.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/54/2b/84/542b8431-fffd-bccd-872d-63a17ab03130/6.9_Image_3_03.18.2026.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/d7/c4/93/d7c49311-7e68-03de-2d52-426274e3cd30/6.9_Image_4_03.18.2026.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/03/b1/4b/03b14b50-217b-3370-3f7f-c7d30997154a/6.9_Image_5_03.18.2026.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/e0/c6/c7/e0c6c717-4fbc-08a6-1981-c22c7b64f4e5/6.9_Image_6_03.18.2026.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/54/55/0c/54550c28-255e-036a-b471-77bfad84896d/6.9_Image_7_03.18.2026.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/be/c2/1a/bec21ad6-0699-f38f-5408-2370f3a02b98/6.9_Image_8_03.18.2026.png/320x480bb.jpg"],"developer_name":"Ditch Technologies Inc.","editors_choice":null,"url":"https://apptierlist.com/apps/ditch-pay-off-debt-faster-6466198208/","api_url":"https://apptierlist.com/api/v1/apps/ditch-pay-off-debt-faster-6466198208","schema_version":"1.0","generated_at":"2026-10-22T07:41:03.504Z","data_as_of":"2026-10-21T15:59:15.443Z","description":"Debt sucks, but paying it off doesn't have to. With Ditch, every purchase you make brings you closer to debt-free. No stress, no spreadsheets, and no overthinking. Just effortless Payoffs that chip away at your debt while you live your life.\n\nReady to take control of your financial future with Ditch? Try Ditch free for one week.\n\nHere’s how Ditch makes debt-free living possible:\n- Roundups to Debt: Send roundups from your purchases directly to your loans. Every spare cent counts! Add a boost to amplify your impact and watch as automated Payoffs chip away at your debt in the background.\n- Smart Debt Tracking: See all your loans and progress in one place. Track balances and payments, and get personalized recommendations.\n- AI Financial Assistant: Get tailored insights and answers about debt, spending, and budgeting whenever you need them.\n- Debt-Friendly Budgeting: Learn where your money is going, and find easy ways to save and pay off debt faster.\n- Secure & Private: Your data belongs to you, always. Delete anytime with no strings attached.\n\nWhy Ditch?\nDebt doesn’t have to define you. Let Ditch turn small steps into big results, bringing your debt-free future closer with every transaction.\n\nPopular Use Cases:\n- Automate spare change to pay off student loans.\n- Track and pay down credit card debt effortlessly.\n- Plan for a debt-free life with easy budgeting and smart AI tools.\n- Start your debt payoff journey today—download Ditch and take control of your finances.\n\nPrivacy & Terms\nYour security matters. Access our privacy policy at https://ditch.io/privacypolicy and terms of service at https://ditch.io/termsofservice.\nBy downloading this app, you agree to Apple's standard Terms of Use, which you can find here: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/\n\nYou can find our privacy policy at: https://ditch.io/privacypolicy\nAnd our terms of service at: https://ditch.io/termsofservice\n\nBy downloading this app, you agree to Apple's standard Terms of Use, which you can find here: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/","facts":{"developer_id":1637767530,"developer_url":null,"first_released":"2023-09-14T07:00:00Z","support_url":null,"privacy_url":null,"website_url":null,"app_version":"1.6.3","release_notes":"Bug fixes, and other UI changes.","rating_current_version":4.82937,"rating_count_current_version":3915,"star_counts":null,"genres":["Finance","Health & Fitness"],"languages":["EN"],"content_advisories":null,"device_families":null,"chart":null},"freshness":{"apple_read_at":"2026-10-21T12:59:13.214Z","catalog_read_at":null,"reviews_checked_at":null,"summary_written_at":"2026-10-19T06:22:11.802Z","placed_at":"2026-10-18T07:19:11.701Z","scored_at":"2026-10-21T15:59:15.443Z"},"editorial":{"one_liner":"Sends spare cents from your purchases to your loans, with debt tracking and an AI financial assistant.","what_is":"Ditch is a finance app that sends roundups from your purchases directly to your loans and can add a boost to speed up payoffs. It also offers tracking of all your loans and balances, budgeting tools, and an AI assistant for questions about debt, spending, and budgeting. The listing says your data belongs to you and can be deleted at any time.","good_for":["Automating spare change to pay off student loans","Tracking and paying down credit card debt","Easy budgeting while working toward a debt-free life"],"pricing":"Ditch: Pay Off Debt Faster is free to download on the App Store.","faq":[{"q":"How does Ditch pay off debt?","a":"Roundups send spare cents from your purchases directly to your loans, and you can add a boost to increase the impact. Automated Payoffs then chip away at your debt in the background."},{"q":"Does Ditch have a free trial?","a":"The description says you can try Ditch free for one week. Pricing after the trial: Not stated on the App Store."},{"q":"How is my data handled?","a":"The listing says your data belongs to you and you can delete it anytime with no strings attached. The privacy policy is at https://ditch.io/privacypolicy."}],"model":"claude-haiku-5-5","created_at":"2026-10-19T06:22:11.802Z"},"memberships":[{"list":"debt-tracking","list_name":"debt tracking","list_status":"active","list_url":"https://apptierlist.com/best/debt-tracking/","position":4,"tier":"A","score":80.5,"components":{"rating":96.6,"votes":75.9,"rank":49.6,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-18T07:19:11.701Z"},{"list":"debt-payoff","list_name":"debt payoff","list_status":"active","list_url":"https://apptierlist.com/best/debt-payoff/","position":6,"tier":"A","score":80.3,"components":{"rating":96.6,"votes":75.9,"rank":48.6,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-18T07:19:11.701Z"}],"main_list":"debt-tracking","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"history":[{"id":162485,"at":"2026-10-18T10:57:11.694Z","kind":"tier_changed","list":"debt-tracking","app_store_id":6466198208,"app":"ditch-pay-off-debt-faster-6466198208","from":null,"to":"A","reason":"score 68.1 to 80.7","job":"rescore"},{"id":162401,"at":"2026-10-18T10:27:11.692Z","kind":"tier_changed","list":"debt-payoff","app_store_id":6466198208,"app":"ditch-pay-off-debt-faster-6466198208","from":null,"to":"A","reason":"score 68.1 to 81.1","job":"rescore"},{"id":158704,"at":"2026-10-18T07:19:11.701Z","kind":"membership_added","list":"debt-tracking","app_store_id":6466198208,"app":"ditch-pay-off-debt-faster-6466198208","from":null,"to":"active","reason":"Smart Debt Tracking shows all loans, balances, payments and progress in one place.","job":"shadow"},{"id":158703,"at":"2026-10-18T07:19:11.701Z","kind":"membership_added","list":"debt-payoff","app_store_id":6466198208,"app":"ditch-pay-off-debt-faster-6466198208","from":null,"to":"active","reason":"Core purpose: roundups from purchases automatically go to loans and credit cards to pay off debt faster, with personalized recommendations.","job":"shadow"},{"id":157743,"at":"2026-10-18T06:42:11.811Z","kind":"app_added","list":null,"app_store_id":6466198208,"app":"ditch-pay-off-debt-faster-6466198208","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":4,"tier":"A","score":80.5,"components":{"rating":96.6,"votes":75.9,"rank":49.6,"recency":100},"ranks":[{"country":"us","rank":13}],"verdicts":[{"verdict":"keep","reason":"Smart Debt Tracking shows all loans, balances, payments and progress in one place.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-18T07:19:11.701Z","attempts":1,"current":true},{"verdict":"keep","reason":"Ditch tracks all loans, balances and payments in one place and helps pay them down. That matches the 'track what I owe and pay it off' intent.","verifier":"list check","decided_at":"2026-10-18T07:19:11.701Z","attempts":1,"current":true}]},{"list":"debt-payoff","list_name":"debt payoff","status":"active","review_status":"checked","position":6,"tier":"A","score":80.3,"components":{"rating":96.6,"votes":75.9,"rank":48.6,"recency":100},"ranks":[{"country":"us","rank":18}],"verdicts":[{"verdict":"keep","reason":"Core purpose: roundups from purchases automatically go to loans and credit cards to pay off debt faster, with personalized recommendations.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-18T07:19:11.701Z","attempts":1,"current":true},{"verdict":"keep","reason":"Ditch's core purpose is paying off debt faster through automated roundup payments to loans, with personalized recommendations. It is a close peer of Changed: Automate Debt Payoff, which is already in the list.","verifier":"list check","decided_at":"2026-10-18T07:19:11.701Z","attempts":1,"current":true}]}]},"data_version":40683,"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/ditch-pay-off-debt-faster-6466198208/"}}