iPhone Screenshots


Savvy Debt Payoff Planner is ad-free with a 100% free and paid version 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 provides a free version that is ad-free as we want everyone to get out of debt. Savvy also offers a free 30-day trial followed by a subscription fee of $5.99 a month. We have 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.

What’s New

Version 1.9.12

Bug fixes and new features.

Ratings and Reviews

3.4 out of 5
5 Ratings

5 Ratings

Seasalttoliet ,

Easy to use, gets me out of debt fast, and helps me budget!

I have been using Savvy for a bit of time now and it has seen some amazing improvements recently. It allows me to budget all of expenses and also keep track of my debt payoff progress. The best part is that it gets me out of debt fast, it helps me prioritize which debts to pay and keeps track of which debts are due.

bnc828 ,

All in one app

I use this app for budgeting as well as paying off my debts and I like that I can do that all in one place. The app is intuitive and their support is very open to feedback and suggestions, which I appreciate!

DeeRee85 ,

Finally!! A Debt Payoff Planner that saves me time!

There’s a lot to love about the Savvy Debt Payoff app. Here are the things I appreciate the most:

1) Automatically tells me what to pay to each debt each month. Pulls in my income and transactions so I actually know what I have leftover each month.

2) Uses a new debt payoff method that beats out snowball method.

3) Has a free version and paid version.

4) No ads!

Excited to see what’s to come!

App Privacy

The developer, Ascend Finance LLC, 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:

  • Contact Info

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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