Changed: Debt Payoff Manager

Changed Inc.

About this app

Looking to crush debt and reach financial freedom? Changed is your all-in-one solution to manage, track, and eliminate debt with ease. Whether you’re tackling credit card debt, student loans, mortgages, or other balances, Changed provides the tools and motivation you need to pay off what you owe faster while saving on interest.


Why Choose Changed?

• All-in-One Debt Manager
Track multiple loans in one place—credit card debt, student loans, auto loans, medical bills, and more. See everything at a glance in your personal dashboard.

• Debt Payoff Calculator
Discover how rounding up daily purchases or making extra contributions can reduce your repayment timeline. Our debt payoff calculator shows you how much time and money you’ll save on each strategy—perfect for comparing Snowball vs. Avalanche or any custom plan you create.

• Flexible Payoff Strategies
Snowball Method: Target your smallest balances first, build momentum, and stay motivated as you knock out debts one by one.

Avalanche Method: Attack high-interest balances first to maximize saving on interest. This method can help cut down your repayment timeline even faster.
Debt Snowflake: Make small, one-time “Boost” payments whenever you can—every little bit adds up!

Custom Plan: Mix and match approaches, or design your own unique path to debt freedom.

• Automated Payments & Round-Ups
Link your bank account and automatically round up daily purchases. Those spare cents go directly toward your debt, so you reduce what you owe without extra effort.

Manage & Track Multiple Loans
• Credit Card Debt (Capital One, Citicard, Chase, etc.)
• Student Loans (Navient, Sallie Mae, Great Lakes, etc.)
• Mortgages (Rocket Mortgage, SoFi, etc.)
• Auto/Car Loans
• Medical Bills
• Personal Loans
• Tax Debts (IRS or local municipalities)
• Any Other Debts you want to pay off faster!

See How Much You Can Save
• Detailed Progress Reports
Our debt payoff calculator and progress charts help you stay motivated. Track how every extra payment lowers your balance and interest over time.

• Saving on Interest
By using the Avalanche payoff method, you can tackle high-interest balances first, knocking off years from your repayment schedule and saving hundreds—or even thousands—of dollars in interest.

Boost Your Payments
• Scheduled Contributions
Set up small, recurring transfers—like $10 every week or $1 each day—to steadily chip away at your debt without feeling the pinch.

• Round Up & Snowflake
Combine spare-change round-ups and Snowflake payments for an even bigger impact. Every little bit counts in your journey to being debt free!

Monitor Your Credit Score
• Stay Informed
Keep track of your credit score as you reduce outstanding balances and build a stronger financial foundation.

• Actionable Insights
Access tips and suggestions for healthy credit habits to help you achieve (and maintain) a better score.

Stash My Cash
• Automated Savings
Want to build an emergency fund or save for a major purchase while paying off debt? Allocate a portion of your round-ups to Stash My Cash and grow your savings in tandem.
• Flexible Allocation
Decide how much goes toward credit card debt or other obligations and how much you want to put into savings.

Rewards and Resources
• Changed PERKS
Earn points, bonuses, and other rewards for reaching key milestones on your debt-free journey.
• Debt Education
Get access to best practices and articles on using Snowball, Avalanche, or a custom approach so you can stay informed and motivated.
• Referral Program
Invite friends, help them beat debt too, and enjoy extra perks together!

Join Thousands Who’ve Paid Off Over $60M in Debt
Changed members typically save $60–$70 a month just by rounding up spare change. With the debt payoff calculator, automated payments, and proven strategies like Snowball and Avalanche, you can start saving on interest today.

Ratings and reviews

This is a fun, educational and easy app. It's not overwhelming or confusing, but simple like Brigt and Debbie, 2 apps which referred me to Changed. I have enough credit cards and loan debt to need some help. But I have been burned by some big debt relief companies and need a simple way to see results. This app delivers. My only con is the one game I chose to earn rewards became a time hog and a money pit. Everything else is great and I am keeping this app.

updating my review because the app won't stop bugging me to leave a review. Upgraded from 3 stars to 4 because I've been using the app for years now, and it has great customer support. However only 4 stars because the transfers can be extremely slow to process, and sometimes goes way past the threshold before sending money. Also needs work in the app UI, because it's not as smooth or easy to use as it could be.

Honestly I think it's a great concept... But it doesnt work. Seamlessly connect to your bank and credit, round up your spending and send it to your debt. However you spend so much time trying to get it to connect and reconnect, nearly every day! And customer support takes days to get back to you... That you might as well just set up a recurring extra payment of $50 extra / month to your debt. Simple with way less hassle.

What’s new

Hey Squirrel Squad!
We're working our tails off to ensure you all have the best experience with Changed. Taking your feedback and making updates to the app is what we live for. Please always send feedback to [e-mail] and we'll take a look.
RIP Debt