We’ve lived it—Ditch exists so you don’t have to

Debt doesn’t define your future and with Ditch, every step brings you closer to freedom.

Meet the team working alongside you

Every line of code, every feature, every idea comes from people who know what it’s like to feel outmatched by debt—and who refuse to let you face it alone.

Luis Andino

CEO

Luis loves chess, poker, gaming, a twilight tee time and listening to house music.
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Holliday Shaw

Head of Product

Holliday loves hiking, and is currently traveling the USA in her van, Bert.
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Erin Confortini

Marketing

Erin loves her golden retriever Bella, a cozy coffee shop, and a hot girl walk.

Ernesto Zubillaga

Engineering

Ernesto plays and is good at nearly every sport (don't let this get to your head).
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People like you, love us..

The best part is that Ditch automatically sets up payments based on my preferences. Once I’ve hit that threshold, they initiate the payment for me. I don’t really have to monitor or take action unless I want to!

Christy

Apple Store

Incredibly easy to pay off debt without much thought. Interface is so easy to use. I’d recommend to anyone with debt, large or small. I do wish they could link with smaller banks, such as my auto loan.

Brandon

Apple Store

I never write review yet here we are. I’ve paid off $1,800. Pretty unbelievable because I never feel the payments go out of my account. Props to the team.

Skylar

Apple Store

"Just the app you need to focus on paying down your debt. I've tried a few and this is the one I've stuck with. I think it'll finally get me to hit my financial goals for this year!"

Brynn

Apple Store

I don’t normally write reviews but I have been using Ditch for a few months now and paid off $2,350 off my student loans. Getting set up was not as easy as I’d like but definitely worth it. Five starts for me.

Libbie

Apple Store

Awesome having found an app that demystifies the puzzle of getting out of my debt. Really cool AI type feature too.

Kyler

Apple Store

Coding Chronicles Insights & Inspiration

Dive into the heart of innovation with our 'Coding Chronicles' blog section. Explore a rich tapestry of articles, tutorials, and insights that unravel.

April 7, 2023

The Latte Isn’t the Problem (But Here’s What Might Be)

Cutting small joys isn’t the key to financial freedom. This post explores why focusing only on coffee runs or eating out misses the point, and how extra payments + Dani can make a bigger difference.

April 7, 2023

Debt-Free Era Loading…

Paying off debt isn’t about one giant leap—it’s about tracking progress and staying motivated. Here’s how celebrating small wins makes the journey sustainable.

April 7, 2023

Accountability: The Secret Ingredient Nobody Talks About

Money management isn’t just math—it’s behavior. This post breaks down why accountability matters as much as budgeting, and how Dani is built to fill that gap.

FAQ

Whether you're curious about Silk's features, data handling capabilities, or integration options, we've got you covered.

Is there a free trial available?

Yes. Every new user gets a 7 day free trial period to link their accounts, set up payoffs, and experience how the app works. You won’t be charged until the trial ends, and you can cancel at any time before then.

Why do you charge if i'm trying to get out of debt?

We charge a fee to cover the costs of connecting to your accounts, automating payments, and providing ongoing support. It’s designed to be far less than the interest you save by paying down debt faster. It's an investment to your debt free future.

When do you actually take funds from my account?

Funds are only pulled once your round-ups reach the trigger amount you’ve set (for example $25). At that point, we automatically withdraw the funds and send them toward your selected debt so we don't overcrowd your checking account.

Will you overdraft my account?

No. You configure your overdraft protection ($100 minimum). We always check your account balance before initiating a withdrawal. If there aren’t enough funds available, we won’t pull money, so you never have to worry about us causing an overdraft.

Do you ever sell my data?

Never. Your financial data is private and securely encrypted. We don’t sell your personal information or share it with third parties beyond the trusted partners required to provide our service. It's part of the reason you pay for the product.

Can I send round ups to savings?

Right now round-ups are designed to pay down debt, since that has the biggest financial impact. Savings support is something we’re exploring, but today all round-ups go directly toward reducing what you owe.

Still have questions?

Can’t find the answer you’re looking for? Please chat to our friendly team.

Ready to Ditch your debt?

Ditch allows partners to offer a financial wellness benefit that fits the financial wellness needs of the generation that's slowly but surely making up the majority of the workforce.

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