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Take a Look Inside the App
Changed helps you—and the people you care about—pay off debt the easy way.
Create Your Profile
Tell us about yourself so we can open your FDIC-insured Changed account. It’s quick, secure, and unlocks savings, payments, and progress tracking. Your info stays protected with bank-level encryption.
Link Your Loans
Connect your loans without needing account numbers. Choose which debt to focus on first. Changed supports most financial institutions, and you can manually add others too.
Connect Spending Accounts
Link the bank and spending accounts you want us to track. Changed monitors your roundups across all linked accounts, but only pulls funds from one selected funding account.
How Roundups Work
After connecting your accounts, choose which ones to use for roundups. Set transaction types, add a multiplier, and choose your pace. Changed transfers savings every time you hit $5, helping you stay on track.
Boost Your Savings
Use Boost anytime to speed up your progress. You can schedule extra payments or send one-offs when it works for you. Even a few dollars can make a big impact over time.
Customize Your Payoff
Split your savings across multiple goals and personalize your strategy. Use the snowball or avalanche method, or create your own. So you make every dollar works harder, exactly where you want it to.
Save and Payoff
With Stash My Cash, you don’t have to pick between saving and paying off debt. Split your roundups to do both at once. Stay flexible and build momentum in both directions.
Credit Score Insights
Track your credit score and get insights on credit usage, on-time payments, new accounts, and more. All in one place.
Watch Debt Shrink
When your Payoff account hits $25, $50, or $100, we send a payment toward your debt. Each extra payments helps you reduce time, cut interest, and bring you closer to zero. #RIPDebt
Celebrate Your Wins!
See how much you’ve paid off and how far you’ve come. Your progress page tracks your savings, past payments, and offers smart tips to stay on track.
Reward Your Debt Payoff
Earn Perk Points and Badges automatically as you use the app. Points unlock giveaway entries, and badges mark your milestones. It’s motivation and rewards while you make real progress.
It Takes a Village
Changed is built for you, but you can help loved ones too. Whether it's your child’s student loan, your partner’s credit card, or a parent’s mortgage, you can use Changed to help the people you care about make real progress.
Help Your Child with their Student Loans
Want to help your child start their life with less debt? Use Changed to chip away at their student loans and give them a head start on their financial goals.
Payoff a Partners Credit Card
Want to help your partner pay off debt faster? Changed makes it easy to work on it together, so you can focus on building your future—not just paying off the past.
Help Your Parents with Their Mortgage
Helping your parent prepare for retirement? Changed makes it easy to support their mortgage payoff, so they can step into their next chapter with more freedom and less financial stress.
Pay It Off Together
Want to help a loved one with their loans? Just enter the details manually and Changed saves and sends payments to where you want it to go. The account is in your name, and you choose where the money goes.
Debt Payoff, One Story at a Time
Do What Works For You
Changed makes paying off your debt fast, flexible, and easy to get started.
Customizable Savings
Save and repay at your own pace. Choose Budget, Standard, or All mode so you find the pace of repayment that’s right for you.
Pause Transfers
Save on your own terms. Pause for 15, 30, or 60 days; whatever works best for your budget.
Changed Perks Programs
Earn Perk Points by referring friends and family and by reaching repayment milestones. Points never expire, and you’ll be entered in a raffle for a chance to win a free debt loan repayment.