Savvy Debt Payoff Planner

In-app purchases
14 reviews
Content rating
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About this app

Savvy Debt Payoff Planner is an ad-free debt payoff planner that puts money back in your pocket each month by sharing interest savings insights. Savvy encourages you by sharing often how much you put back in your pocket. Savvy’s budget helps compliment your debt payoff plan to understand your entire financial outlook each month.

Savvy hates debt, so its goal is to get you out of debt easier, cheaper, and faster.



1) Debt can be stressful. Savvy debt payoff assistant is first an encouragement focused app that shares how much you are actually putting back in your pocket each month

2) Savvy tells you what you pay and how much to pay towards each of your debts each month. Once your minimums are paid, Savvy will tell you where to put the extra money.

3) Have questions? Text us 24/7. We are ready to serve you.



1) The average user may save over $2,000 by using Savvy even after the monthly fee compared to using a debt payoff planner using the Snowball method based on our recent study. How?

Savvy was built using our proprietary Savvy debt payoff method. It’s not the snowball method or the avalanche method. Instead, the Savvy debt payoff method provides the psychological benefit from the Snowball method and the interest savings of Avalanche.

2) How much does Savvy cost? Savvy’s goal is to get you out of debt. We do not want to push ads or try to provide financial products you don’t need

Savvy offers a free 30-day trial followed by a subscription fee starting at $1.99 for the basic version and $5.99 for the automated version per month. We want to prove to you that we provide enough value before you provide a dime.



Because we save the average user over $2,000, you get out of debt faster. Let’s shave a couple of months off of your debt freedom date together.



1) Do you allow me to add my accounts manually or automatically?

Both. Savvy is designed to serve the very busy population by allowing you to add your accounts automatically by giving read-only access to view transactions via your bank account (see security question below).

If you are wary about security and/or you’d like to control the process, you can also add your accounts and your transactions manually. You are in control. You decide.

2) Let’s talk about security. How do you keep me secure with automatic account integration?

Savvy protects your transaction information with read-only access and bank-level security via your financial institutions. Your data is your data, which means we never would share with third parties.


When you download and use Savvy, you agree to Ascend's Terms of Use:

Message and data rates apply. Mobile data is required for your financial information to refresh. Your account balances may not reflect recent transactions immediately.

Ascend connects to US financial institutions only.
Updated on
Dec 9, 2021

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info and Financial info
This app may collect these data types
Personal info and Financial info
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

13 reviews
Dave T
August 11, 2020
Finally an application that does a lot of the work for you with NO ads. If you understand the snowball method of debt payoff (the most popular one), you will understand how Savvy saves the average user over $2,000. The one downside is that it does charge $5.99 per month after the first free trial month, but if Savvy saves $2,000 in interest, I am happy to share the savings and keep off annoying ADs. Also, I read that they are coming out with a 100% free version. Things to consider: 1) Because Savvy has a lot of functionality, it will take a few minutes to setup before Savvy takes helps with the automation. Thankfully they allow a 30 minute setup call for free which I recommend or you can watch an instructional video. 2) Thankfully, Savvy does not actually access my bank account to payoff creditors. Some people like it, but I like to have full control of my payments. 3) Savvy saves you money by putting a monthly extra towards a debt that Savvy tells you after your monthly minimums are paid. Another benefit is that Savvy tracks your transactions, so you can see whether you have even more money leftover at the end of the month to pay towards debt. Voila! 4) Budgeting functionality please! It has transactions and debt payoff, and I'd love to see a budget added in the next few months as it would be a 3 in 1 app!
7 people found this review helpful
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Ascend Finance
January 18, 2021
Hey Dave, we really appreciate this feedback. We will continue to add features and hopefully save you more money!
Jamie Schaecher
November 3, 2021
Debts randomly disappear from list. Still show under accounts, but balance disappears. Very frustrating as when you enter it again, your progress resets as well. Would rate five stars if this was fixed. This isn't a device issue as it's happened across multiple devices.
2 people found this review helpful
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Guilherme Carvalho
May 19, 2021
I am really liking where Savvy is heading to help both pay off debt and also use a zero based budget all in one place. The app is also encouraging, showing debt payoff date moving closer and debt balance moving down in real-time. Thank you!
2 people found this review helpful
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Ascend Finance
May 20, 2021
Thank you so much for your review! We really appreciate it! We will keep on developing Savvy!

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