No. 15 of 23 ·Debt Management Software

Changed

Name: Changed
Price: 4 USD

Android · iPhone · paid plans from $4/mo

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Freedom report

One barScore 5.1

Free tierNo free tier on record
Open codeNo open-source code on record
Runs widely2 of 6 device platforms
DocumentedPlans, terms and facts published

Changed is ranked #15 of 23 in debt management software on Freedom251. It runs on Android, iOS. There is no free plan. Paid plans start at $4/mo.

Changed plans and pricing

All plans

Changed $4/mo Starting at $4/month if you choose an annual plan Annual plan; additional Plus and Premium plans are mentioned, with details available in the app support.gochanged.com · 3 Oct 2026

Compared on debt management software

Free plan: No
Paid from: $4/mo
Payoff strategies: both
Balance tracking: Yes
Creditor tracking: Yes
Mobile apps: Yes

Best Changed alternatives

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Two bars Debt Payoff Planner Free tier No. 1$2/mo6.6 Two bars Monnelia Free tier No. 2$0.17/mo6.6 Two bars Undebt.it Free tier No. 3$0.83/mo6.6 One bar Debt Ladder Free tier No. 4Free6.5 One bar Debt Payoff Planner: Tracker Free tier No. 5$2.50/mo6.5 One bar Payoff Free tier No. 6£4.17/mo6.5

The record

Purpose: Changed is a debt payoff app that rounds up purchases and uses the savings to help pay down debt.
Savings goals: The app lets members split savings between debt payoff and goals such as an emergency fund or down payment.
Connected accounts: Members can link loans and spending accounts, and Changed says it supports most financial institutions while allowing manual loan entry.
Roundup transfers: Changed transfers roundup savings when they reach $5, and members can choose transaction types, a multiplier, and pace.
Payoff options: Members can schedule extra payments, make one-off payments, and choose the snowball, avalanche, or a custom payoff strategy.
Payment thresholds: Changed says it sends debt payments when a Payoff account reaches $25, $50, or $100.
Credit insights: The app tracks credit score information and provides insights on credit usage, on-time payments, and new accounts.
Family use: Changed lets a member help pay a loved one's debt by entering loan details manually and choosing where payments go.
Pause controls: Members can pause transfers for 15, 30, or 60 days.
Security: Changed says account information is protected with bank-level encryption.
Banking arrangement: Changed says it is a financial technology company, not a bank, and that banking services are provided by nbkc bank, Member FDIC.
Support: Changed directs users to its Help Center for answers to common questions and provides a support contact page.
Intended users: Changed describes its service as helping borrowers pay down student loans and other debt while saving toward financial goals.
Founded: 2017
Price from: $4/mo

Where it ranks on Freedom251

Best Debt Management Software in 2026#15 of 23

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Sources

gochanged.com· checked 3 Oct 2026
gochanged.com/stashmycash· checked 3 Oct 2026
gochanged.com/how-it-works· checked 3 Oct 2026
gochanged.com/support· checked 3 Oct 2026
gochanged.com/about-us· checked 3 Oct 2026
support.gochanged.com/hc/en-us/articles/360031593571-How-much· checked 3 Oct 2026