How Everyday Micropayments Work
Get started in three simple steps. Then let your everyday spending help you make progress.
Choose Your Micropayment
Choose a fixed amount that works for you, starting at $0.50.
Start Your Free Trial
See SpenDebt in Action
See how Everyday Micropayments turn everyday spending into progress.
Highlights
Simple to Start
Create your account, connect your bank, choose what you want to pay down, and set your micropayment.
Built with Security in Mind
Your financial information is protected using industry-standard security practices.
Progress at Your Fingertips
Track your micropayments and progress from your SpenDebt dashboard.
Is there a monthly fee?
Yes. Your first month is free. After your free trial, SpenDebt is $3.99 per month.
Can I adjust the micropayment?
Yes. You can change your micropayment amount at any time to fit your budget and goals.
Can I adjust the monthly cap amount?
Yes. You can adjust your monthly cap at any time, giving you control over how much you contribute each month.
Can I still use SpenDebt if my bank account is not listed?
No. If you don’t see your bank account available, please tell us (by sending an email to info@spendebt.com) so we can be inclusive of your financial institution.
Can I link multiple bank accounts?
No. At this time SpenDebt does not offer the feature but will have this available in the future.
When are my payments sent?
Payments are processed on the last day of each month or by your selected due date. Please allow up to 7–10 business days for your payment to process and post to your selected account.
What is a monthly cap?
Your monthly cap is the maximum amount you choose to contribute through SpenDebt each month. It helps you stay in control of your spending and your progress.
What is an Everyday Micropayment?
An Everyday Micropayment is a small, fixed amount you choose that is triggered by your everyday transactions and applied toward what you want to pay down.
Is there a minimum or maximum micropayment?
Yes. Everyday Micropayments start at $0.50. You choose the amount that works for you.
Where can I track my progress?
Your SpenDebt dashboard lets you track your Everyday Micropayments and see your progress throughout the month.
How are my Everyday Micropayments sent?
SpenDebt aggregates your Everyday Micropayments throughout the month and sends them as a payment to the account you've selected.
How does SpenDebt protect my information?
Protecting your information is a priority at SpenDebt. We use security measures designed to help protect your personal and financial information.
What happens when I pay off an account?
Keep the progress going. You can choose another eligible account and continue using Everyday Micropayments toward your next financial goal.
Can I cancel my subscription at any time?
Yes. You can cancel your SpenDebt subscription at any time. Go to Settings → Profile, scroll to the bottom, and select “Delete Your Account.” You can also contact us at info@spendebt.com for assistance.
How are Everyday Micropayments different from round-ups?
Everyday Micropayments let you choose a fixed amount to apply toward your financial goals each time you make an everyday transaction. Unlike round-ups, the amount isn’t based on the difference between your purchase and the next dollar. You choose the amount, and every transaction helps you make measurable progress.
Join Our Unlimited Plan
Get 1 month Free, then:
- Unlimited Transactions
- Access Account on Any Device
- Free 30-Day Trial
- Paid Automatically from Linked Bank Account
- No Hidden Fees
- Guaranteed Secure and Private Bank Information
- Cancel Anytime