Changed

What Changed is

Changed is a debt payoff app for borrowers who want to put savings toward loan balances and personal goals. It rounds up purchases and transfers the saved amounts once they reach $5. Members can choose which transactions count, set a roundup multiplier and pace, then divide savings between debt and goals such as an emergency fund or down payment. Changed supports linked loans and spending accounts, with manual loan entry available. Members can arrange extra payments on a schedule, make one-time payments, and select the snowball, avalanche or a custom repayment strategy. Debt payments are sent when the Payoff account reaches $25, $50 or $100. The app also tracks credit score information and provides insights into credit usage, on-time payments and new accounts. Members may pause transfers for 15, 30 or 60 days, and can direct payments toward a loved one's debt by entering loan details manually. Changed is available on Android and iOS. There is no free plan; its annual plan starts at $4 per month. Changed says it is a financial technology company, not a bank, and that banking services are provided by nbkc bank, Member FDIC.

Who it suits

Changed suits borrowers paying student loans or other debt who want to direct purchase roundups toward repayment while saving toward goals. It may also fit someone who wants to help a loved one repay debt or use credit score insights alongside payoff tools.

Limits

There is no free plan. The annual plan starts at $4 per month; additional Plus and Premium plans are mentioned, with details available in the app.

Getting started

1. Visit the Changed website.
2. Get the app on Android or iOS.
3. Choose the Changed annual plan, starting at $4 per month.
4. Link spending accounts and loans, or enter loan details manually.
5. Choose transaction types, a roundup multiplier and transfer pace.
6. Set savings goals and select a payoff strategy.

Verdict

Choose Changed if you want purchase roundups, flexible repayment strategies and savings goals in one debt payoff app. Look elsewhere if you need a free plan or do not want to pay for an annual plan starting at $4 per month.