Spending beyond your means or paying for unexpected costs can quickly put you in debt, so the 'Cents' app works to help users pay down debt by using spare change. 'Cents' actively rounds up the various purchases you make each and every day to the next dollar and puts the money to work to pay down your debt. While these amounts may seem small, the growing amount of money saved will help to expedite payments for various debts that are owning.
The 'Cents' app works to help you pay down debt and will even show you how much interest you're saving as rates fluctuate. The app comes as a better way for younger users who might not have the most experience with debt to pay it down quicker without making drastic cuts.