Meet the Achieve GOOD™ app

Get Out Of Debt faster

See where your money’s going, make a smarter debt payoff plan, and get debt-free faster with the free Achieve GOOD™ app.

A dashboard showing a Get Out of Debt plan and their credit summary with FICO score and total debt.

See all your debt and spending1

Get a clear view of your money

Say goodbye to debt and overspending. Track your costs in one place, see where you can trim, and put that money toward paying down debt.

Smarter plans to be debt-free

Take steps to ditch debt for GOOD

Choose your own path with your custom debt payoff plan. Set spending limits and focus on paying off debts faster.

Insights personalized for you

Take control of your debt—and your life

Make smarter spending choices with tailored recommendations and insights. Stay motivated, know when you’ll get out of debt, and celebrate wins as you go!

Features you’ll love

Feel GOOD about your debt-free journey

GOOD FAQs

GOOD stands for Get Out Of Debt, as the Achieve GOOD app provides you with a personalized, actionable plan to pay down your debt faster than the path you may be currently on.

First, we use a soft credit pull that does not hurt your credit score—so we get to know your debt balances. Then you can connect your accounts so Achieve GOOD collects all of your debts in one place to give you a personalized plan to get out of debt.

To help you plan to get rid of debt, we estimate how long it would take to pay off all your debts if you were to continue to make minimum payments. You can set spending limits and choose how much extra you want to make on your payments so you can see how much time and money you could save vs. making minimum payments.

We understand that getting out of debt is financially stressful, so that’s why the Achieve GOOD app is 100% free to download and use without a paid subscription. You can use the app to create a free self-managed debt plan that allows you to see all your debts and up-to-date finances (income, bills, savings, spending) in one place.

If you want to get out of debt even faster than the self-managed route, you can choose to enroll in one of our suggested debt solutions offered in the app. We make money through offering consumers a personal loan, home equity loan, or debt resolution only if you pre-qualify for these solutions to help you get you out of debt faster and improve your overall financial standing.

All financial information in Achieve GOOD is securely transferred using bank-level encryption to ensure your data is protected. We value your privacy so we don’t store your usernames or passwords from your bank accounts.

With the Achieve GOOD app, you can create your own self-managed plan to choose how to get out of debt faster.

  1. See where your money is going. First, you can use the Achieve GOOD app to get a clear view of your money. See how much debt you have and how you’re spending your money. Tip: connect all your accounts—bank accounts, credit cards, loans, etc.—to get the most complete and accurate picture of your finances.

  2. Use insights to make smarter financial choices. You’ll get personalized insights into all your debts so you can prioritize which debts to pay off first. You can see estimated timelines of when you could be debt-free based on how much extra you pay toward your debt. You’ll also get insights into your spending trends so you can make smarter spending choices like cutting out costs you don’t need (subscriptions, etc.).

  3. Put extra money toward paying off debt faster. By knowing where you can curb your spending, you can put that extra money toward paying off the debt you want to pay off first. We’ll give you estimates when you’ll be debt-free based on extra payments. If you want to get out of debt even faster than paying down debt yourself, you can choose to enroll for debt solutions you may pre-qualify for, including personal loan or debt resolution offers.

The more accounts you connect, the more you get out of Achieve GOOD to have a complete and accurate picture of your financial status. Any accounts you connect are kept secure using bank-level encryption. You can connect your various bank accounts, including almost 15,000 financial accounts like

  • Checking and savings accounts

  • Credit cards and prepaid cards

  • Personal loans, car loans, and mortgages

  • Student loans

If you share bank accounts with your partner or spouse, you can connect these so you can both track your debt and spending at the same time.

Tip: Be sure to connect your primary checking account where you deposit your paychecks.

The ability to add financial accounts to the Achieve GOOD app is dependent on a financial institution’s ability to share account information with our app. Most major financial institutions are available for connection.

Daily progress toward your debt-free goals

Track your spending without feeling overwhelmed. Know where your money is going today so you control your financial future.

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Achieve.com uses estimates to calculate total credit card debt, minimum payment and interest paid. These estimates are based on information from third parties and information you have provided, are not for general use and are an approximation and not a guarantee. Actual costs and duration will vary depending on individual circumstances and may be higher or lower than estimated and are subject to change and other limitations. To estimate the amount of time it would take to pay off your credit card debt, we assume a “Minimum Payments” strategy where you pay only the minimum monthly amount estimated to be due to your creditors. The estimated costs of finance charges and fees, total costs, monthly payment amounts, and number and duration of payments assumptions include: (a) finance charges accrue on amounts owed at a rate ranging from 6% to 30% ; (b) minimum monthly payments are equal to the greater of (i) 1% of the amount owed plus a finance charge ranging from 20% to 30%, and (ii) $25; and (c) there are not additional charges, rebates, refunds, payments or reductions of your debt. Minimum payment per month is the total estimated minimum monthly payment due to your credit card creditors. Time to pay debts is the total estimated number of months it would take for you to pay your credit card debts in full if you pay only the minimum monthly payment due to those creditors each month. Credit Card Debt and Interest Paid are the estimated amounts you will pay to your credit card creditors over time if you pay only the minimum monthly payment due to those creditors each month.

  1. Images shown above are for illustrative purposes only. Individual results are not typical and will vary.

  2. Statistics reflect the results of the members we and our affiliates have served since 2002 (as of Jun 2024).

  3. Personal loans are available through our affiliate Achieve Personal Loans (NMLS ID #227977), originated by Cross River Bank, a New Jersey State Chartered Commercial Bank and may not be available in all states. All loan and rate terms are subject to eligibility restrictions, application review, credit score, loan amount, loan term, lender approval, credit usage and history. Loans are not available to residents of all states.

    Resolution is available through our affiliate Achieve Resolution (NMLS ID # 1248929). All estimates for Achieve Resolution’s services are based on prior results, which will vary depending on your specific enrolled creditors and your individual program terms. Not all Achieve Resolution clients are able to complete their program for various reasons, including their ability to save sufficient funds. Achieve Resolution does not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. Achieve Resolution does not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Achieve Resolution’s services are not available in all states, including New Jersey, and their fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. Read and understand all program materials prior to enrollment. The use of Achieve Resolution services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements Achieve Resolution obtained on your behalf resolve the entire account, including all accrued fees and interest. C.P.D. Reg. No. T.S.12-03825.

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