Ditch

What Ditch is

Ditch is a mobile app that directs purchase round-ups toward a selected debt. Users can also choose percentage-based or smart payoff settings. When accumulated round-ups reach a trigger amount chosen by the user, such as $25, Ditch pulls the funds and sends them toward the selected debt. Its focus is debt payoff; the company says savings support is being explored but is not currently available.

The app combines debt-focused budgeting with manual budgets and transaction reviews, plus a consolidated debt dashboard and personalized debt insights. Ditch says users can link accounts from thousands of banking institutions, with coverage above 96%. Its overdraft protection checks the balance before withdrawing funds and does not pull money when the balance is insufficient; the setting has a $100 minimum. Ditch also says it does not sell personal information and shares it only with trusted partners needed to provide the service. Connected financial data may include balances, transactions, liability reports, account and routing numbers, and required integration credentials.

Ditch is available for Android and iOS and is made by Ditch Technologies, Inc., based in Atlanta, Georgia. The site lists monthly Basic, Plus, and Pro plans at 3.99 USD, 9.99 USD, and 15.99 USD respectively, while its pricing note says from $12.99/mo and offers a 7-day trial. Dani, the AI personal finance assistant, is included with Pro.

Who it suits

Ditch is for people who want to direct purchase round-ups or other payoff settings toward debt and see their debts together in one dashboard. It may suit users who also want manual budgeting, transaction reviews, and account connections on Android or iOS.

Limits

Basic allows one debt focus at a time and has a $25 minimum payment plus a small processing fee. Plus supports up to three linked debt accounts and a $10 minimum payment; Pro allows unlimited linked accounts. Savings support is not currently available.

Getting started

1. Visit ditch.io.
2. Choose the 7-day trial or a listed monthly plan.
3. Install Ditch on an Android or iOS device.
4. Connect financial accounts and choose debts to focus on.
5. Select round-ups, percentages, or smart payoff settings and set a trigger amount.

Verdict

Consider Ditch if you want an app centered on debt payoff, with budgeting and debt tracking alongside round-ups. Look elsewhere if your main goal is saving spare change, since savings support is not currently available, or if you need overdraft protection below its $100 minimum.