Ditch

Paid#16 of 23 in Debt Management Software

Ditch: A paid iOS app that turns spending rules into automated debt payments. Ranked #16 of 23 in Debt Management Software by our editors (6.0/10); pricing: From $12.99/mo · 7-day trial; best for iPhone users automating payoff from spending.

6.0/10★★★☆☆Editor score

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At a glance

• Editor score
  6.0 / 10
• Pricing
  From $12.99/mo · 7-day trial
• Best for
  iPhone users automating payoff from spending
• Free plan
  No
• Paid from
  $12.99/mo
• Facts checked
  22 Sep 2026

• Where it wins

  • Automates payoff through round-ups and percentage-based rules
  • Connects accounts to track debts, balances, payments, and spending
  • Adds budgeting, personalized insights, and an AI financial assistant

• Where it doesn't

  • Available only on iOS
  • No free plan; access starts at $12.99 per month
  • Does not focus on traditional payoff strategies

Our verdict on Ditch

Ditch is a mobile debt-management app for individuals who want to automate extra payments and monitor debt progress. It supports products such as credit cards and student loans, allowing users to connect financial accounts, review balances and payments, and direct purchase round-ups or transaction percentages toward selected debts. Its consolidated dashboard, debt-focused budgeting, transaction reviews, personalized insights, and AI financial assistant make it suited to iPhone users who want repayment activity tied to everyday spending.

Pricing is straightforward across the published subscription options: Ditch costs $12.99 per month or $79.99 per year, with a 7-day free trial. There is no free plan. The annual option lowers the effective monthly cost compared with monthly billing, while both plans provide access to the same named Ditch subscription. Overdraft protection and safe-balance controls are also included among the product’s features, helping users define boundaries around automated payment activity.

Ditch’s main distinction is its automation model. Users can apply round-ups or percentage-based rules to purchases, then send those amounts toward selected debts while tracking connected balances in one place. The app also connects with banking institutions and financial data sources, but its platform support is limited to iOS. It is a good fit for people who want spending-linked automation, account-based tracking, and debt insights in an iPhone app. Those seeking Android access or a debt tool centered on traditional payoff strategies should choose an alternative.

Ditch pricing

All 1 Ditch plans and prices →

Ditch fact sheet

Ditch integrations

Ditch lists 2 integrations on its own site.

• banking institutions
• financial data sources

Alternatives to Ditch

• 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 Ditch alternatives →

Featured on iTechGuides

Ditch is listed in our Debt Management Software directory. Add the badge to your site — it links back to this page.

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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