Debt payoff comparison
Changed vs Debt Payoff Planner
Updated
Priceless Tay may earn a commission from some links on this page, and that never changes how we compare apps.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Short answer
Changed and Debt Payoff Planner are both debt payoff apps. Changed lists plans from $6 a month on its website, while Debt Payoff Planner has a free plan. We checked both on Oct 24, 2026, and the official sources differ on 7 of the 9 rows in the table below.
Changed vs Debt Payoff Planner at a glance
Changed and Debt Payoff Planner are both debt payoff apps. This page puts what each company's official pages and app store listings say side by side, with the date we checked every fact. The sources differ on 7 of the 9 rows in the table below.
Price and fees
Changed lists plans from $6 a month on its website. Debt Payoff Planner has a free plan. Its website lists the Pro plan from $2 a month. We checked both on Oct 24, 2026.
Platforms
Changed lists iOS. Debt Payoff Planner lists Web, iOS and Android. We checked both on Oct 24, 2026.
Bank syncing
Changed links your loans and the bank and spending accounts you want it to track for round-ups. No. Debt Payoff Planner says the app will not connect to any of your accounts, so you record each payment yourself. We checked both on Oct 24, 2026.
Payoff methods
Changed lists these payoff methods: Debt Snowball, Debt Avalanche and Custom Plans. Debt Payoff Planner lists these payoff methods: Debt Avalanche, Debt Snowball and Custom. We checked both on Oct 24, 2026.
Debt-free date
Yes. Changed says its built-in debt calculator estimates your payoff timeline and how much interest you can save. Yes. Debt Payoff Planner gives you a step-by-step plan with a debt-free date. We checked both on Oct 24, 2026.
Extra payments
Yes. You can schedule extra payments or send one-off Boost payments, on top of the round-ups from your purchases. Yes. You can add an extra payment above your minimums, monthly or biweekly, and see how it changes your plan. We checked both on Oct 24, 2026.
App store rating
Changed has 4.6 out of 5 on the App Store from 5,654 ratings. Debt Payoff Planner has 4.7 out of 5 on the App Store from 7,387 ratings. We checked both on Oct 24, 2026. Store ratings are a dated snapshot from each listing, not our score.
What it costs
ChangedChanged lists plans from $6 a month on its website.
As of · gochanged.com
Debt Payoff PlannerDebt Payoff Planner has a free plan. Its website lists the Pro plan from $2 a month.
As of · debtpayoffplanner.com
Bars show only when every app here lists a yearly price, so these prices sit side by side without them. Prices are list prices from each app's own page, before tax and any offer.
At a glance
Free trial
- Changed
- Not verified yet
- Debt Payoff Planner
- Not verified yet
Source
- Changed: Not verified yet.
- Debt Payoff Planner: Not verified yet.
App Store rating
- Changed
- 4.65,654 ratings
- Debt Payoff Planner
- 4.77,387 ratings
Source
- Changed has 4.6 out of 5 on the App Store from 5,654 ratings. App Store listing, as of Oct 24, 2026.
- Debt Payoff Planner has 4.7 out of 5 on the App Store from 7,387 ratings. App Store listing, as of Oct 24, 2026.
Platforms
- Changed
- iOS
- Debt Payoff Planner
- Web
- iOS
- Android
Source
- Changed lists iOS. App Store listing, as of Oct 24, 2026.
- Debt Payoff Planner lists Web, iOS and Android. debtpayoffplanner.com, as of Oct 24, 2026.
Bank syncing
- Changed
- Yes
- Debt Payoff Planner
- No
Source
- Yes. Changed links your loans and the bank and spending accounts you want it to track for round-ups. gochanged.com/how-it-works, as of Oct 24, 2026.
- No. Debt Payoff Planner says the app will not connect to any of your accounts, so you record each payment yourself. debtpayoffplanner.com/support, as of Oct 24, 2026.
Payoff methods
- Changed
- Debt Snowball
- Debt Avalanche
- Custom Plans
- Debt Payoff Planner
- Debt Avalanche
- Debt Snowball
- Custom
Source
- Changed lists these payoff methods: Debt Snowball, Debt Avalanche and Custom Plans. App Store listing, as of Oct 24, 2026.
- Debt Payoff Planner lists these payoff methods: Debt Avalanche, Debt Snowball and Custom. debtpayoffplanner.com/overview, as of Oct 24, 2026.
Debt-free date
- Changed
- Yes
- Debt Payoff Planner
- Yes
Source
- Yes. Changed says its built-in debt calculator estimates your payoff timeline and how much interest you can save. App Store listing, as of Oct 24, 2026.
- Yes. Debt Payoff Planner gives you a step-by-step plan with a debt-free date. debtpayoffplanner.com, as of Oct 24, 2026.
Extra payments
- Changed
- Yes
- Debt Payoff Planner
- Yes
Source
- Yes. You can schedule extra payments or send one-off Boost payments, on top of the round-ups from your purchases. gochanged.com/how-it-works, as of Oct 24, 2026.
- Yes. You can add an extra payment above your minimums, monthly or biweekly, and see how it changes your plan. debtpayoffplanner.com/overview, as of Oct 24, 2026.
Payment reminders
- Changed
- Not verified yet
- Debt Payoff Planner
- Not verified yet
Source
- Changed: Not verified yet.
- Debt Payoff Planner: Not verified yet.
Features
We haven't verified a feature list for either app yet, so this grid is empty for now.
✓ means the official site lists it. ? means we haven't verified it yet, not that the app lacks it.
Screen by screen
Pick a task to see what each app shows for it. App Store and Google Play images are the apps' own marketing, so they can show sample data and staged layouts. Help center images come from the app's support articles. See every app's screens.
Other screens
Changed
App Store marketing imageApp Store image 1 of 4 from the Changed listing.App Store listing, as of 
App Store marketing imageApp Store image 2 of 4 from the Changed listing.App Store listing, as of 
App Store marketing imageApp Store image 3 of 4 from the Changed listing.App Store listing, as of 
App Store marketing imageApp Store image 4 of 4 from the Changed listing.App Store listing, as of
Debt Payoff Planner
App Store marketing imageApp Store image 1 of 4 from the Debt Payoff Planner listing.App Store listing, as of 
App Store marketing imageApp Store image 2 of 4 from the Debt Payoff Planner listing.App Store listing, as of 
App Store marketing imageApp Store image 3 of 4 from the Debt Payoff Planner listing.App Store listing, as of 
App Store marketing imageApp Store image 4 of 4 from the Debt Payoff Planner listing.App Store listing, as of
Changed and Debt Payoff Planner, side by side
Rows marked “Differs” are where the official sources say different things, and 7 rows do here.
Swipe the table sideways to see both apps.
| Field | ChangedDebt payoff appChanged is a debt payoff app that rounds up your purchases and sends the spare change to your debts as extra payments.Visit Changed's site | Debt Payoff PlannerDebt payoff appDebt Payoff Planner is a debt payoff app that turns your balances, rates and minimum payments into a step-by-step payoff plan with a debt-free date.Visit Debt Payoff Planner's site |
|---|---|---|
| Price and feesDiffers | Changed lists plans from $6 a month on its website.As of Oct 24, 2026. Source: gochanged.com | Debt Payoff Planner has a free plan. Its website lists the Pro plan from $2 a month.As of Oct 24, 2026. Source: debtpayoffplanner.com |
| Free trial | Not verified yet. | Not verified yet. |
| PlatformsDiffers | Changed lists iOS.As of Oct 24, 2026. Source: App Store listing | Debt Payoff Planner lists Web, iOS and Android.As of Oct 24, 2026. Source: debtpayoffplanner.com |
| Bank syncingDiffers | Yes. Changed links your loans and the bank and spending accounts you want it to track for round-ups.As of Oct 24, 2026. Source: gochanged.com/how-it-works | No. Debt Payoff Planner says the app will not connect to any of your accounts, so you record each payment yourself.As of Oct 24, 2026. Source: debtpayoffplanner.com/support |
| Payoff methodsDiffers | Changed lists these payoff methods: Debt Snowball, Debt Avalanche and Custom Plans.As of Oct 24, 2026. Source: App Store listing | Debt Payoff Planner lists these payoff methods: Debt Avalanche, Debt Snowball and Custom.As of Oct 24, 2026. Source: debtpayoffplanner.com/overview |
| Debt-free dateDiffers | Yes. Changed says its built-in debt calculator estimates your payoff timeline and how much interest you can save.As of Oct 24, 2026. Source: App Store listing | Yes. Debt Payoff Planner gives you a step-by-step plan with a debt-free date.As of Oct 24, 2026. Source: debtpayoffplanner.com |
| Extra paymentsDiffers | Yes. You can schedule extra payments or send one-off Boost payments, on top of the round-ups from your purchases.As of Oct 24, 2026. Source: gochanged.com/how-it-works | Yes. You can add an extra payment above your minimums, monthly or biweekly, and see how it changes your plan.As of Oct 24, 2026. Source: debtpayoffplanner.com/overview |
| Payment reminders | Not verified yet. | Not verified yet. |
| App store ratingDiffers | Changed has 4.6 out of 5 on the App Store from 5,654 ratings.As of Oct 24, 2026. Source: App Store listing | Debt Payoff Planner has 4.7 out of 5 on the App Store from 7,387 ratings.As of Oct 24, 2026. Source: App Store listing |
App store ratings are a dated snapshot from each store listing, not our score. “Not verified yet” means we don't have a current official source for that line. How we source and date this data. Spotted a change? Tell us if something changed.
Weighing a third option? Add up to two more apps to this table and compare up to four side by side.
Who it's for
Pick the tab that sounds like you. The questions come from app help centers, FAQ pages and user forums, and every answer comes from the app's own pages, with the date we checked it.
Just me
Budgeting on your own? These are the basics people ask about first.
Is it free?
Debt Payoff Planner
Debt Payoff Planner has a free plan. Its website lists the Pro plan from $2 a month.
As of . Source: debtpayoffplanner.com
Does it connect to my bank and import transactions?
Changed
Yes. Changed links your loans and the bank and spending accounts you want it to track for round-ups.
As of . Source: gochanged.com
Debt Payoff Planner
No. Debt Payoff Planner says the app will not connect to any of your accounts, so you record each payment yourself.
As of . Source: debtpayoffplanner.com
Is there support from the app's makers if I need help?
Changed
Yes. Message form and help center.
In their words: “Didn't find the answers you're looking for? Need some additional help? We're here to answer the questions you have.”
As of . Source: gochanged.com
Debt Payoff Planner
Yes. Email.
In their words: “If you have any questions, comments, or suggestions, please email our support team at support@debtpayoffplanner.com”
As of . Source: debtpayoffplanner.com
Partners
Sharing money with a partner? Here's how each app handles a second person.
Can my partner use their own login details?
Changed
Not verified yet
Debt Payoff Planner
No. Your partner signs in to your same account.
In their words: “Yes, two people can each have the app installed on their respective device and access the same information as long as you have created an account (i.e. you cannot be using a guest account) and both people login with the same username and password.”
As of . Source: debtpayoffplanner.com
“Not verified yet” means we haven't found a current official source that answers it, not that the app can't. We only say no when the app's own page does.
Which fits your Money Type?
There are four Money Types: Strategist, Spender, Saver and Scrambler. Each card matches one type to what the sources say about these two apps.
StrategistNeither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.
First fix: Save the Raise.
SpenderNeither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.
First fix: Sleep on It.
SaverNeither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.
First fix: Put It to Work.
ScramblerChanged lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
First fix: Bills First.
Not sure which one you are? Take the free Money Types quiz. It takes about two minutes.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Another option: Fifecta
If neither Changed nor Debt Payoff Planner feels right, here is one more option to look at. Fifecta gives every paycheck a plan with FUNDS, and it starts from your Money Type, so the plan matches how you already handle money.
FAQ
How much does Changed cost?
Changed lists plans from $6 a month on its website. We checked this on Oct 24, 2026.
How much does Debt Payoff Planner cost?
Debt Payoff Planner has a free plan. Its website lists the Pro plan from $2 a month. We checked this on Oct 24, 2026.
What is Changed's app store rating?
Changed has 4.6 out of 5 on the App Store from 5,654 ratings. That's a snapshot from the store listing on Oct 24, 2026, not our score.
What is Debt Payoff Planner's app store rating?
Debt Payoff Planner has 4.7 out of 5 on the App Store from 7,387 ratings. That's a snapshot from the store listing on Oct 24, 2026, not our score.
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Keep comparing
- See Changed alternatives, closest category first.
- See Debt Payoff Planner alternatives, closest category first.
- Want the bigger picture? Compare more money apps.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Want a plan built on your Money Type?
Fifecta gives every paycheck a plan with FUNDS, so you know where each dollar goes.
Sources and confidence
- Last checked
- Not verified yet
- 4 of 18 facts
Changed7 of 9 verified, 2 not verified yet, last checked Oct 24, 2026
- Price and feesgochanged.com, as of Oct 24, 2026
- Free trialNot verified yet
- PlatformsApp Store listing, as of Oct 24, 2026
- Bank syncinggochanged.com/how-it-works, as of Oct 24, 2026
- Payoff methodsApp Store listing, as of Oct 24, 2026
- Debt-free dateApp Store listing, as of Oct 24, 2026
- Extra paymentsgochanged.com/how-it-works, as of Oct 24, 2026
- Payment remindersNot verified yet
- App store ratingApp Store listing, as of Oct 24, 2026
Debt Payoff Planner7 of 9 verified, 2 not verified yet, last checked Oct 24, 2026
- Price and feesdebtpayoffplanner.com, as of Oct 24, 2026
- Free trialNot verified yet
- Platformsdebtpayoffplanner.com, as of Oct 24, 2026
- Bank syncingdebtpayoffplanner.com/support, as of Oct 24, 2026
- Payoff methodsdebtpayoffplanner.com/overview, as of Oct 24, 2026
- Debt-free datedebtpayoffplanner.com, as of Oct 24, 2026
- Extra paymentsdebtpayoffplanner.com/overview, as of Oct 24, 2026
- Payment remindersNot verified yet
- App store ratingApp Store listing, as of Oct 24, 2026
Each fact links to the official page it came from, with the date we checked it. Once a fact is older than its app's window (8 days for apps whose rates change often, 35 days for the rest), it reads “Not verified yet” until we check it again. How we source, date and index this data.
This is education, not financial advice.
