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Automatic debt payoff

Pay off debt without feeling it.

Treedy rounds up your everyday purchases and sends the spare change to your debt, automatically.

Join the waitlist How it works
$10-$50What everyday purchases can add up to each month
FridayRound-ups go to your debt once a week
5%Fee only on what we send, $0 if we send $0
$14.99The most you'll ever pay in a month

Debt is stressful and extra money disappears fast. Treedy turns it into small payments you never have to think about.

Three steps to automatic progress.

Connect your bank securely

Treedy connects through Plaid so you can track purchases safely. We never see your bank password.

Round up your purchases

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

Pay debt automatically

Every Friday, Treedy sends your round-ups toward the debt you choose.

Your balance goes down every week. Watch your debt-free date move up.

Every round-up pulls your payoff date closer. Treedy shows you exactly how much sooner, and how much interest you skip.

Visa ending 4417, debt-free date
Oct 2029Sep 2027
25 months sooner$279 interest saved

Example: $1,000 card at 24% APR, $40 a month in payments, plus about $15 a week in round-ups.

Card balanceRound-up payment

Small change adds up fast. See your own numbers.

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

$
$
$
$
Estimated purchases per week0
Weekly round-ups$0.00
Sent to debt per year$0.00

Estimate based on typical purchase sizes for each category and an average round-up of $0.50 per purchase. Your actual round-ups depend on each purchase amount.

Start sending this toward my debt

Also in Treedy. Small tools that keep more money for your debt.

Bill reminders Subscription detector Payday boost Milestones and streaks Investing after debt, coming later
Your money, your rules

Your money stays in your control.

Automatic doesn't mean out of your hands. You set the rules and can change them anytime.

Your rulesEditable anytime
Pay towardThe debt Treedy attacks first
Visa 4417
Weekly limitNever send more than this
$40
Keep at leastMinimum left in checking
$200
Transfer dayWhen round-ups are sent
Friday
Automatic paymentsTap to pause anytime
$14.80
ACHOutgoingCompleted
Chase CheckingFrom
Visa 4417To
Permission firstTreedy never moves money without your permission.
Pause anytimePause or cancel automatic payments whenever you need.
Secure connectionBank data flows through Plaid, used by thousands of financial apps.
Built-in safeguardsTransfers skip or pause when your balance runs low, to help reduce overdraft risk.
Pricing

Only pay when you make progress. If Treedy sends $0, you pay $0.

Automatic

Recommended
5% success fee

Only on payments sent toward your debt. Never more than $14.99 a month.

Treedy sends $40$2.00
Treedy sends $120$6.00
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 / month

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

Common questions.

Still have a question?

Write to us and someone on the Treedy team will answer.

support@treedy.life
Is Treedy a bank?

No. Treedy is a financial technology company, not a bank. Banking services are provided by partner banks.

Does Treedy move money without permission?

No. Treedy only moves money with user authorization.

How does Treedy make money?

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.

Can I cancel anytime?

Yes. Users can pause or cancel automatic payments anytime.

What happens if my balance is too low?

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.

Do I need to invest?

No. Users can start with debt payoff only. Investing is optional.

How do round-ups work?

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.

Can Treedy find subscriptions?

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.

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