Tired of feeling stuck with debt?
Automatic debt payoff with everyday purchases

Pay off debt
without feeling it.

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

Start making progress See how it works →

Most users send $10–$50/month toward debt without noticing.

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. Budgeting is hard. Extra money disappears fast.

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

How it works

How Treedy works

01

Connect your bank securely

Treedy connects through Plaid so you can track purchases safely.

02

Round up your purchases

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

03

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 automatically 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.

The old way

Budgeting apps

  • Track spending See where money went — after it's gone
  • Require discipline Willpower as the only engine
  • Manual effort You have to remember to do it
Result: awareness without action
The Treedy way

Treedy

  • Rounds up purchases Every swipe becomes a micro-payment toward debt
  • Moves money automatically No transfers to schedule, no reminders to set
  • Builds progress over time Small amounts compound into real momentum
Result: progress without thinking about it
Features

A simple journey from debt stress
to automatic progress.

01

Crush debt automatically

Turn everyday spending into steady debt payoff momentum without needing another budget spreadsheet.

  • Debt Accelerator
  • Round-ups
  • Payday boost
  • Balance projection
02

Take control of your money

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

  • Bill reminders
  • Household bill tracker
  • Subscription detector
  • Spending insights
03

Build wealth after debt

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

  • ETF auto-investing
  • Net worth dashboard
  • Credit score tracker
04

Stay motivated and consistent

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

  • Milestone rewards
  • Progress tracking
  • Streaks
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 bank connection
Connect securely through Plaid.
Built-in safeguards
Designed with safeguards 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 — 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.

Start turning 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.