iPhone Screenshots


Savvy Debt Payoff Planner saves the average user over $2,000 using the Savvy debt payoff method versus the Snowball debt payoff method. Savvy is ad-free and uses automation to make your life simpler. For a limited time, try the Savvy app for free for 30 days followed by a monthly subscription of $5.99 (discounted from $9.99).

Savvy was built to actually be savvy. It is practical and provides good judgments about how to pay off your debts better to achieve debt freedom once and for all.


1) 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. Easy peasy.

2) Have questions or comments? Text us. We’re around.


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.

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

As such, Savvy offers a free 30-day trial (no credit card information required) 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: https://tryascend.com/legal/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 1.7.8

Various bug fixes and improvements

Ratings and Reviews

Holly N C ,

Not Free

I did this at the recommendation of a website that said it was free, the app itself said it was free, turns out it’s 5.99 a month just to use the app. Way to capitalize on people who are in debt. Plus you have to link your bank account in order to track? No thanks, I will stick to spreadsheets.

Developer Response ,

Hi Holly, I am so sorry to hear about your experience with the app. Your feedback has been noted, and we are making the following changes:

a) We are planning to launch a 100% free version in the next week.
b) You can add manual accounts on both the free and paid version.

Why will we have a paid version when we are trying to help people get out of debt? 1) We, unfortunately, have costs and don't want to provide ads as we don't like the ads experience, so we are really trying to figure out how to give Savvy away to a large percentage of the population for free, but also be able to pay the bills. 2) Hopefully, because we save the average user over $2,000 on the Savvy method we developed vs. Snowball method, the savings will be able to help pay for the app for those who choose the paid version.

Regardless, thanks for giving Savvy a try, and I apologize again for your experience, and that apology comes with changes we are making to make Savvy better and more inclusive.

Co-Founder, CEO

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!

jackgisel ,

Great team

I like the team behind this app, it’s gonna be very helpful!


Ascend Finance LLC
21.6 MB

Requires iOS 10.0 or later. Compatible with iPhone, iPad, and iPod touch.



Age Rating
In-App Purchases
  1. Basic Monthly Subscription $5.99


  • Family Sharing

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

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