Debbie - Payoff, Save, Earn

Reach your money goals and earn rewards.

Debbie is the first money app that rewards you for paying off credit card balances, building savings, reducing debt, and improving your financial habits. Track your money, stay on budget, and earn rewards as you make progress toward financial freedom.

At the core of Debbie is a psychology-based money program designed to help you understand your relationship with money, build better habits, track your financial progress, and earn rewards for reaching important milestones. Whether you’re focused on paying off debt, growing savings, improving your credit score, or managing bills, Debbie helps keep you motivated every step of the way.

FEATURES

Earn Cash Rewards
Get rewarded for completing money challenges, paying down debt, building savings, and reaching financial goals.

Track Your Money Progress
Connect your accounts to track savings, debt balances, credit card payments, and financial milestones in one place.

Stay on Top of Bills
Build healthy habits around paying bills on time, managing debt, and staying consistent with your financial goals.

Personalized Money Goals
Set and complete personalized savings, debt payoff, and budgeting goals based on your unique financial situation.

Quick Wins
Complete simple money challenges, like checking your account balance, reviewing your budget, or monitoring your credit score.

Pathway
Take short personal finance courses designed to help you understand your money mindset, spending habits, and long-term financial behavior.

The app is 100% free and sponsored by our partner financial institutions, primarily community-based credit unions committed to helping people improve their financial lives.

HOW IT WORKS

Download Debbie and complete your onboarding quiz


We’ll learn about your financial goals, money habits, debt, savings, and spending patterns to personalize your experience.

Accept your sponsor partner


Debbie is free thanks to our sponsor partners. You’ll have the option to open a free checking or savings account, though you can begin using Debbie without opening a new account.

Connect your accounts


Securely connect your credit cards, loans, savings accounts, and other financial accounts to track progress toward your money goals. All data is encrypted and never sold.

Start your personalized money program


Learn practical personal finance skills, improve your money mindset, and build habits that support long-term financial success.

Reach your goals and earn rewards


Complete savings goals, debt payoff goals, budgeting challenges, and educational activities to earn points and celebrate your financial progress.

Unlock lower rates and refinancing opportunities*


As you progress through Debbie, gain access to tools that may help you reduce interest costs and save money on debt.

FREQUENTLY ASKED QUESTIONS

How much does Debbie cost?
Debbie is completely free.

How does Debbie make money?
Our financial institution partners sponsor the platform and may compensate us when users choose products that fit their financial needs.

How can Debbie help me save money?
Debbie helps you build better financial habits, stay on budget, pay bills on time, reduce debt, increase savings, and avoid costly financial mistakes.

Does Debbie really work?
Debbie users pay off debt faster, save more money, and stay more engaged with their financial goals compared to typical consumers.

Do you have a referral program?
Yes. Eligible users can earn rewards for referring friends. Terms and conditions apply.

DISCLOSURES

Not a guarantee of approval. Debbie does not directly extend credit. Credit checks will not impact your credit score. Terms and conditions apply.