Pay off debt
without feeling it.

Treedy rounds up your everyday purchases and automatically sends the spare change toward your debt. Most users send the spare change without noticing.

Most users send $10–$50/month
Start making progress
Secure bank connection You stay in control Pause anytime
Hello, Alex
Debt payoff Activity
Boost your payoff with AI Insights from your real spending
This week 3 week streak
+$18.40

Sent to debt automatically

↑ 12% vs last week
Credit card goal
$420 of $1,000
Recent round-ups See all
Starbucks+$0.65
Uber+$0.40
Target+$0.90
Amazon+$1.10
Next transfer Friday
Weekly total $14.80 23 purchases

Debt is stressful and extra money disappears fast.

Most people want to pay down debt but struggle to stay consistent. Treedy turns everyday spending into small automatic payments that add up over time.

How it works

Three steps to automatic progress.

Connect your bank securely

Treedy connects through Plaid so you can track purchases safely.

Round up your purchases

A $3.80 coffee becomes $4.00. The spare change is saved automatically.

Pay debt automatically

Treedy sends your round-ups toward your debt every week.

Real example

Small change adds up fast.

$4.35
You spend
$5.00
Treedy rounds to
$0.65
Goes toward debt
Weekly result 23 purchases → $14.80 sent to your credit card
See your round-ups

Enter what you spend in a week and see how much Treedy would send toward your debt.

$
$
$
$
Weekly round-ups $0.00
Sent to debt per year $0.00
Start sending this toward my debt →
Why Treedy

Not another budgeting app.

Most apps tell you what you already know. Treedy does the work for you.

Budgeting apps
Treedy
Track spending
See where money went, after it's already gone.
Rounds up purchases
Every swipe becomes a micro-payment toward debt.
Require discipline
Willpower as the only engine.
Moves money automatically
No transfers to schedule, no reminders to set.
Manual effort
You have to remember to do it.
Builds progress over time
Small amounts compound into real momentum.
Features

From debt stress to automatic progress.

Crush debt automatically

Turn everyday spending into steady payoff momentum, with no spreadsheet required.

Debt AcceleratorRound-upsPayday boostBalance projection

Take control of your money

See what's coming, catch money leaks, and feel less surprised by your bills.

Bill remindersBill trackerSubscription detectorSpending insights

Build wealth after debt

Once your debt is under control, Treedy helps you invest your progress into ETFs.

ETF auto-investingNet worth dashboardCredit score tracker

Stay motivated and consistent

Progress is easier to keep when every small win is visible and worth celebrating.

Milestone rewardsProgress trackingStreaks
Trust

Your money stays in your control.

Permission first
Treedy never moves money without your permission.
Pause anytime
Pause or cancel automatic payments whenever you need.
Secure connection
Connect securely through Plaid.
Built-in safeguards
Designed to help reduce overdraft risk.
Pricing

Only pay when you make progress.

Automatic payoff is built to feel fair: if Treedy sends $0, you pay $0.

Most Popular
Automatic
Only pay when Treedy helps you make progress.
A small success fee only when automatic payments are sent toward your debt.
%5
Success fee only on payments sent
Never more than $14.99/month
Most users pay much less
Treedy sends $40$2
Treedy sends $120$6
Treedy sends $300+$14.99 cap
Treedy sends $0$0
  • Automatic weekly debt payments
  • Round-ups from everyday purchases
  • Pause anytime
  • Smart safeguards
Start making progress →
Plus
$9.99/mo
Advanced tools for when you're ready to go further, with no success fee.
  • No success fee
  • Multiple debt accounts
  • Advanced payoff strategy
  • Future wealth tools
Explore Plus →
Future wealth building

After debt, build wealth automatically.

Once your debt is under control, Treedy can help you direct future round-ups toward savings and ETF investing.

FAQs

Common questions.

No. Treedy is a financial technology company, not a bank. Banking services are provided by partner banks.
No. Treedy only moves money with user authorization.
Treedy offers free tools and paid automation. On the Automatic plan, Treedy only charges a small success fee when automatic payments are successfully sent, capped monthly.
Yes. Users can pause or cancel automatic payments anytime.
Treedy uses safeguards and can skip or pause transfers when your balance is too low. These safeguards are designed to help reduce overdraft risk, but they cannot guarantee overdrafts will never happen.
No. Users can start with debt payoff only. Investing is optional.
Treedy rounds eligible purchases to the next dollar and adds the spare change to your weekly progress. A $3.80 coffee creates a $0.20 round-up.
Treedy can help identify recurring subscriptions and bills so you can cancel what you no longer use and redirect that money toward debt.

Turn everyday spending
into real progress.

Join the Treedy waitlist and be first to try automatic debt payoff.

Join early access and we'll email you when Treedy opens.

Treedy only earns when it helps you make progress, or when you choose a paid plan.

Early access

You're on the list!

We sent you a confirmation email. If you don't see it, check your spam or junk folder and mark it as safe.

1Connect your card
2Treedy rounds up every purchase
3Your debt goes down automatically

You only pay when Treedy helps you make progress.

Join the Treedy early access waitlist Join waitlist
Treedy Assistant
Treedy AI · Replies instantly
Hi! I'm Treedy's assistant. Ask me anything about how the app works, pricing, or security.