Savvy Debt Payoff Planner 4+

Debt and Spending Tracker

Ascend Finance LLC

Designed for iPhone

    • 3.9 • 14 Ratings
    • Free
    • Offers In-App Purchases

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 1.9.32

New app features and fixes!

Ratings and Reviews

3.9 out of 5
14 Ratings

14 Ratings

Dave Zelkin ,

Thank You Savvy - Perfect for BS2!!!

This app is perfect for anyone in Dave Ramsey Baby Step 2 (me) or anyone else looking to save money while getting out of debt. The app is really comprehensive so it may take a little while to get use to it.

That said, there’s a number of features that I appreciate about Savvy, so I’ll go through them one by one.

1) I love that my zero based budget and debt payoff planner is now in one place.

2) I like that Savvy gives me what actions I need to complete for the day.

3) I always thought snowball method lost money but appreciated that it seemed that accounts were paid off faster. I like that they developed a method that does both.

4) I like that Savvy doesn’t have ads and that it allows me to automatically connect my accounts.

5) I appreciate the pricing. It feels like some apps in this space around now $12-14 per month so it’s nice to see something that doesn’t break the budget.

I’m excited to see all the improvements, and I’d like to see Savvy add more notifications and also I’d like to see savings ideas based on my spending habits.

Regardless, thanks Savvy for helping eliminate debt and stay on top of everything!

chdlsea ,

I am loving savvy so far!

Savvy keeps me motivated, tells me how much money I can save compared to the Snowball Method, and helps me budget! I love how it shows me the tasks I need to complete when I log in to the app and how much debt I have remaining. Another thing that I love that Savvy does is show me what my current debt payoff date is and if it has decreased at all since starting my debt payoff journey. I am excited to see the improvements and changes that Savvy continues to make!

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.

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:

  • Purchases
  • Contact Info
  • Identifiers

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

You Might Also Like