Switch from Changed to Spendify
Love Changed's debt focus? Spendify takes it further with full financial tracking and advanced payoff planning.
10
Extra features
$79.99/yr
Spendify /yr
$48/yr
Changed /yr
Spendify vs Changed
A side-by-side look at what each app brings to the table
Debt-Free Date Calculator
Spendify
See your exact payoff date based on real balances, APRs, and your chosen strategy
Changed
No projected payoff date — focuses on round-up payments instead
Strategy Comparison
Spendify
Compare snowball, avalanche, and custom order side by side with interest savings
Changed
No strategy comparison — applies round-ups to one debt at a time
What-If Scenarios
Spendify
See how extra payments, windfalls, or changes affect your payoff timeline instantly
Changed
No scenario modeling
Transaction Tracking
Spendify
Full tracking with auto-categorization, search, filters, and receipt attachments
Changed
Limited tracking — mainly used for round-up calculations
Investment Tracking
Spendify
Portfolio balances and performance monitoring across all accounts
Changed
No investment tracking
Net Worth Tracking
Spendify
Complete picture across all accounts and workspaces
Changed
No net worth tracking
Budgeting
Spendify
Flexible budgets with category limits, rollovers, and spending insights
Changed
No budgeting tools
AI Financial Assistant
Spendify
Ask questions about your spending, get insights, and analyze trends in natural language
Changed
No AI assistant
Unlimited Workspaces
Spendify
Create as many workspaces as you want and invite collaborators with role-based access
Changed
Single account only — no collaboration
Transaction Rules Engine
Spendify
Auto-categorize with multi-condition rules — match by merchant, amount, date, and more
Changed
No rules or automation
Bank Connections
Spendify
13,000+ institutions with automatic sync
Changed
Bank connections for round-up tracking
Interest Saved Calculator
Spendify
See total interest savings per strategy with detailed breakdowns
Changed
Shows basic interest savings from round-up payments
Better Value, More Features
Everything Changed offers — plus the debt planning tools it doesn't
Spendify
$79.99/yr billed annually
Changed
per year
Why People Switch from Changed to Spendify
Changed is focused on one thing: helping you make extra debt payments through round-ups. That’s a great start — but round-ups alone won’t give you a debt payoff strategy. You need to see the big picture: all your accounts, all your debt, and a real plan with a finish line.
Spendify builds on Changed’s debt-first philosophy and expands it into a complete financial platform. Connect all your accounts, track every transaction, compare payoff strategies side by side, and see exactly when you’ll be debt-free.
From Round-Ups to a Real Plan
Changed automates small extra payments. Spendify shows you what those payments mean — how many months they shave off your timeline, how much interest you save, and which strategy gets you to zero fastest. Plus, you get full transaction tracking, investment monitoring, budgeting, and net worth tracking that Changed simply doesn’t offer.
Your Full Financial Picture
Changed only sees the debt side of your finances. Spendify connects everything — checking accounts, credit cards, investments, loans — and gives you tools to manage it all. Set budgets, track recurring expenses, attach receipts to transactions, and use AI-powered insights to find opportunities to save more.
Collaborate on Your Finances
Going at it alone is hard. Spendify lets you create unlimited workspaces and invite your partner, family members, or financial advisor with role-based access. Everyone sees what they need, and you tackle debt as a team.
Ready to See Your
Debt-Free Date?
Join thousands of people who stopped guessing and started planning. Your future self will thank you.
Coming Soon