Automating the Debt Avalanche Method with Changed

Trying to crush high-interest debt first? The debt avalanche method is one of the smartest ways to save money on interest and get out of debt faster — but it only works if you keep it consistent.

That’s where Changed comes in. We automate the entire process so you don’t have to think about it.

Here’s how it works.

Step 1: Add Your Debts

List all your debts — credit cards, auto loans, student loans, personal loans — whatever you’re paying off.

Changed organizes them from highest to lowest interest rate, so you’ll tackle the most expensive debt first. No mental math, no second guessing.

✅ Pro tip: Paying off high-interest balances first means you save more money in the long run.

👉 Try our free Debt Payoff Calculator to see when you could be debt-free with this method.

Step 2: Keep Paying the Minimums

You keep making your minimum payments as usual — that part doesn’t change.

Our job? Adding extra payments to your highest-interest debt first so you save the most on interest and pay it off faster.

Late fees? Not on our watch.
Extra payments? That’s where we shine.

Step 3: Automate Extra Payments with Round-Ups

Round-Ups turn your everyday purchases into steady debt payments.

Example: Spend $6.40 on lunch → Changed rounds it up to $7 → $0.60 goes straight to your highest-interest debt.

Most members save $25–$100/month without noticing. It’s the definition of passive progress.

Set it, forget it, watch your interest shrink.

Step 4: Add Boosts (One-Time or Scheduled)

Want to speed things up even more? Boosts let you send extra toward your debt when it makes sense for you.

You can:

Schedule Boosts (like $20 every Friday or $50 after payday)
Send a one-time Boost if you’ve got extra cash or a bonus

One-time Boost = instant win.
Scheduled Boost = steady acceleration.

Step 5: Move to the Next High-Interest Debt

Once your highest-interest debt is gone, you can roll that payment over to the next one on your list. Keep directing your Round-Ups and Boosts toward it, and your avalanche keeps gaining momentum — without starting from scratch.