Reach your money goals and earn rewards.
Debbie 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.
At 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.
FEATURES
Earn Cash Rewards
Get rewarded for completing money challenges, paying down debt, building savings, and reaching financial goals.
Track Your Money Progress
Connect your accounts to track savings, debt balances, credit card payments, and financial milestones in one place.
Stay on Top of Bills
Build healthy habits around paying bills on time, managing debt, and staying consistent with your financial goals.
Personalized Money Goals
Set and complete personalized savings, debt payoff, and budgeting goals based on your unique financial situation.
Quick Wins
Complete simple money challenges, like checking your account balance, reviewing your budget, or monitoring your credit score.
Pathway
Take short personal finance courses designed to help you understand your money mindset, spending habits, and long-term financial behavior.
The app is 100% free and sponsored by our partner financial institutions, primarily community-based credit unions committed to helping people improve their financial lives.
HOW IT WORKS
Download Debbie and complete your onboarding quiz
We’ll learn about your financial goals, money habits, debt, savings, and spending patterns to personalize your experience.
Accept your sponsor partner
Debbie 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.
Connect your accounts
Securely 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.
Start your personalized money program
Learn practical personal finance skills, improve your money mindset, and build habits that support long-term financial success.
Reach your goals and earn rewards
Complete savings goals, debt payoff goals, budgeting challenges, and educational activities to earn points and celebrate your financial progress.
Unlock lower rates and refinancing opportunities*
As you progress through Debbie, gain access to tools that may help you reduce interest costs and save money on debt.
FREQUENTLY ASKED QUESTIONS
How much does Debbie cost?
Debbie is completely free.
How does Debbie make money?
Our financial institution partners sponsor the platform and may compensate us when users choose products that fit their financial needs.
How can Debbie help me save money?
Debbie helps you build better financial habits, stay on budget, pay bills on time, reduce debt, increase savings, and avoid costly financial mistakes.
Does Debbie really work?
Debbie users pay off debt faster, save more money, and stay more engaged with their financial goals compared to typical consumers.
Do you have a referral program?
Yes. Eligible users can earn rewards for referring friends. Terms and conditions apply.
DISCLOSURES
Not a guarantee of approval. Debbie does not directly extend credit. Credit checks will not impact your credit score. Terms and conditions apply.
This app is a stunning contribution to society that would it have been introduced to me at some earlier point would’ve really set me on a great financial path. The gamification of something boring like debt payoff is a powerful tool to being debt free. I’ve already paid more than I normally would’ve, and not any amounts they would ruin me but definitely more contributions that I otherwise would’ve. Not to mention the weekly pathways go through the ins and out of money from basic things like saving emergency funds, the psychology behind money, and even ways to increase income. I look forward to doing these because it keeps me thinking about money in a healthy way and continuously learning about it which considering how much our lives revolve around money, we don’t do enough. Lastly, the amounts listed in the pathways for rewards are legitimate and are absolutely free! Keep diligent in the pathways, really try on the quizzes afterward, and paying of your debt on schedule and you will actually EARN money! I’m really blown away by the good natured people that decided to build a platform like this. I couldn’t give a high enough rating and the App Store could use about 100 more apps with as benevolent intentions as this. Hats off to the creators and everyone who works on this team for creating such a great product.
Great App
mel_62089
I’ve been using Debbie for a little over a year (I found out about it before it was officially released and was included in beta testing) and I have to say it’s great! There’s lessons and quizzes on finances to earn rewards. Once you reach $50 in rewards you can cash it out. So far I’ve cashed out twice and am very close to my third cash out. It helps me track my debt pay down and savings with goals for each for each month. It’s really awesome. I also just unlocked their rate crusher and got a personal loan to pay off my credit cards at an interest rate that was 10% less than my lowest cc rate so I’ll be able to pay that debt off faster! They used to have features in beta testing where you’d earn extra rewards for making an extra payment on your credit card or adding extra money to your savings. I wish they would bring those back, at least sporadically. Since using Debbie my overall debt has decreased and credit score has increased! All in all it’s a great app.
Developer Response
💚
Great App
Seanie_Gee
I really appreciate that Debbie works to meet people where we are when it comes to finances. It is simple, visually appealing, and has a compassionate tone throughout the app. The weekly courses allow me to learn more about what I might already know, reinforcing healthy habits, while also adding in new perspectives or updated understandings around personal finance. I value that it isn't possible to just power through all of the courses all at once. We move forward step by step, not in a race! There are also points earned simply for reaching goals in saving and paying down debt. And those points do turn into real money that I can put back into my savings or toward debt. I love Debbie!
Confused
Xfw1228
I used to love this app! Despite its few issues such as an apparent unfixable bug that didn’t recognize users accounts they linked to the app, which is a main way to earn points and rewards in the app so that was very frustrating. Also now after having an account several months, one day it logged me out. I tried to log back in and it wouldn’t recognize my login, despite me using the one I’m almost 100% I signed up with and have been using. When reaching out to support they are unable to unlock my account or reset my password, stating they can’t locate an account without the phone number associated to it. However I gave them every single number it could be and they still couldn’t locate it. They have my email address and selfie photo with me holding my ID I’m not sure why that isn’t sufficient verification to solve the problem. This is the only app or company I’ve ever experienced this with. So I can’t say I recommend the app, months worth of effort into it and it’s totally lost
Developer Response
Ugh that sounds super frustrating, sorry to hear 💚🥲. Because we are bound to very high privacy and data security protocols, sometimes there's not much we can do to recover an account. It's totally possible that there's a system issue on our end but we couldn't identify it. Hopefully you can create another Debbie account - you can certainly let support know and we'll give you a little starter boost to make it up to you :). Just send an email with your new account info and a screenshot of this review response, and as long as there are no security concerns we'll process it.
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.
As always, thanks for being part of the Debbie fam! For more updates, follow us on Instagram, TikTok, and Facebook @debbierewards.
Version 2.6.33
The developer, Debbie Inc, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
Financial Info
Contact Info
Identifiers
Usage Data
Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
