Ditch: Put Debt on Autopilot 17+

Highlights for this app: Easy user interface (I didn’t need a training manual to figure it out!). Quick connections to external accounts (not just credit cards but student and personal loans too). I’ve always hated the process of linking each account; this took maybe a minute. I like that you can get quick information from the chat feature. But my favorite part (and probably the most useful) is that I know exactly how to tackle paying down my debt, by how much and which debt. I also can see how extra payments would impact me in terms of pay-down timeline and the cost of interest). This app has made me feel more in control of my finances.

I just started using ditch to pay off my remaining consumer debt and am so impressed with the UI! I’m 28, live in Wisconsin, and am an engineer and am working on a goal of becoming debt free before 30. I was pleasantly surprised at how easy it was to set up payoffs and pick which multiplier I wanted to use. It’s so cool how Ditch looks at your prior spending to estimate what extra payment you’ll be making based on which multiplier you select! I also appreciate how Ditch compares my debt amount to the national average. It helps gauge where I’m at vs. where I’m supposed to be. I’ve really enjoyed Ditch so far and am excited to continue to use it in 2025.

Ditch is an app that has helped me in so many ways. As someone with student loan debt, a car loan, and a small amount of credit card debt, ditch has taught me a new way to approach repayment. It gave me insight that no other app or website has been able to give me in the past, which has helped me to prioritize which debt to focus on first and the best way to pay it off. I also love that I can ask dash (the chat feature) questions and it will give me personalized answers based on my own debt and previous spending. I would 10/10 recommend ditch to everyone!!