Changed

Paid#10 of 23 in Debt Management Software

Changed: A mobile debt payoff app that combines automated saving, repayment strategies, and credit insights. Ranked #10 of 23 in Debt Management Software by our editors (6.6/10); pricing: From $4/mo (annual); best for users combining debt payoff with saving.

6.6/10★★★☆☆Editor score

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At a glance

• Editor score
  6.6 / 10
• Pricing
  From $4/mo (annual)
• Best for
  Users combining debt payoff with saving
• Free plan
  No
• Paid from
  $4/mo
• Founded
  2017 · Chicago, Illinois, United States
• Facts checked
  20 Sep 2026

• Where it wins

  • Round-ups and savings can support automated debt payments
  • Snowball, avalanche, and custom payoff strategies are included
  • Tracks debts, progress, credit insights, and lender connections

• Where it doesn't

  • No free plan is available
  • Basic excludes credit card payoff
  • Basic supports only one debt type

Our verdict on Changed

Changed is a mobile debt payoff application for consumers managing student loans, credit cards, auto loans, mortgages, personal loans, and other balances. It connects spending accounts, rounds purchases up, and transfers accumulated savings toward selected debts. Users can schedule one-time or recurring Boost payments, track balances and progress, compare snowball and avalanche approaches, create custom strategies, and split savings between debt repayment and savings goals. The app also supports helping family members repay loans and provides credit-score insights on iOS and Android.

Changed’s paid plans are structured around the number and type of debts supported. Basic costs $6 per month when billed monthly or $4 per month when billed annually. It includes round-ups, payoff for up to one debt type, Stash My Cash, a 2X roundup multiplier, and Boost payments, but excludes credit card payoff. Plus costs $9 monthly or $7 per month when billed annually, adding credit card payoff, multiple debts, split transfers and savings, and unlimited bank links. Premium costs $15 monthly or $11 per month when billed annually, adding same-day transfers, a higher Boost allowance, a payment threshold, and a 10X roundup multiplier.

The product’s strongest fit is for people who want debt repayment integrated with everyday spending and saving rather than a payoff tracker alone. Its lender connections, manual outside-lender entries, balance tracking, creditor tracking, and repayment progress support a broader view of debt. Both snowball and avalanche methods are available, while custom strategies offer additional control. Users focused on credit card payoff or multiple debts need Plus or Premium, and those seeking a free tool should look elsewhere. Changed is a practical choice for combining automated savings with structured payoff actions, but Basic is a narrower entry tier.

Changed pricing

All 3 Changed plans and prices →

Changed fact sheet

Alternatives to Changed

• Undebt.itA flexible debt planner for people who want strategy comparisons, schedules, and balance tracking.9.4
• Debt Payoff PlannerA low-cost debt planner with flexible payoff strategies and progress tracking.8.8
• PayoffA mobile debt planner with broad strategies, coaching, and scenario tools.8.5

See all Changed alternatives →

Featured on iTechGuides

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Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026

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Last updated 28 Sep 2026 · How we research and update