Ditch is a personal finance app designed to make paying off debt simpler and more manageable. Its service combines automated payments, budgeting tools, debt tracking, and financial education to help users make steady progress with less day-to-day effort. After linking eligible bank accounts, users can direct purchase round-ups, a chosen percentage, or smart payment amounts toward selected debts. Payments are initiated when the user’s chosen threshold is reached, with balance checks and configurable overdraft protection.

The app also offers debt-focused budgeting with transaction reviews, a consolidated dashboard, and personalized insights to help users understand their finances and stay motivated. Ditch provides an AI financial assistant called Dani, alongside articles on budgeting, accountability, and debt repayment. Plans include a seven-day free trial, followed by monthly subscriptions at different levels, with features such as varying debt-account limits and support options. Ditch says it does not sell users’ personal information and uses encryption to protect financial data. Its tools are intended to help people reduce debt and interest through consistent, everyday payments.