Debbie - Payoff, Save, Earn

Earn cash rewards for reaching your financial freedom goals. Debbie is the first app that pays you for paying off credit card balances, saving, paying down debt, and learning about your money psychology. At the core is a psychology-based money goals program that helps you understand your mindset, set financial goals, track progress, and earn rewards when milestones are reached. Features include Streaks (personalized monthly payment and savings goals), Quick Wins (weekly financial challenges), Pathway (weekly courses on money psychology), and cash rewards for completing all steps.

The app is 100% free and sponsored by partner financial institutions, primarily not-for-profit community credit unions. How it works: complete onboarding quiz to personalize content; connect sponsor partners to access Debbie for free; securely connect debt and savings accounts via Plaid; start your Debbie course; hit goals to cash out (unlimited). Rate Crusher can help you find lower rates with banking partners. All data is encrypted and never sold to third parties.