How it works
Four steps, all inside one month.
RealChange never holds your funds between them. What is collected in a cycle is paid out in that cycle.
- 01
Plaid reads
Settled card purchases only. Pending transactions are never counted.
- 02
The ledger adds up
Each round-up is written once, in whole cents, against your account.
- 03
Stripe collects
Once a month, or once your balance reaches $10, whichever comes first.
- 04
Your tzedakah is paid
In the same cycle. The charity charges your card directly, so nothing waits on us to pass it along.
A coffee, start to finish.
A $2.00 purchase rounds up nothing, because it is already a whole dollar. Pending purchases are never counted, and neither are transfers, ATM withdrawals, fees or loan payments.
What we promise.
- Whole cents only
- Every round-up is calculated in integer cents. No rounding drift, no fractions of a penny.
- Pause anytime
- Pausing stops collection immediately. Nothing is charged while you are paused.
- Set a monthly cap
- Pick a ceiling and accrual stops for the month once you reach it.
- Refunds come back out
- If a purchase is refunded, its round-up is taken back out of your pot. The pot never goes below zero.
Round-ups versus the alternatives.
Three honest ways to give. Round-ups are not better at everything, they are better at being effortless.
You never have to remember
- Round-ups
- ✓
- One-off
- ✗
- Pledge
- ✓
The amount follows your spending
- Round-ups
- ✓
- One-off
- ✗
- Pledge
- ✗
Nothing to feel in your balance
- Round-ups
- ✓
- One-off
- ✗
- Pledge
- ✗
Set your own monthly ceiling
- Round-ups
- ✓
- One-off
- ✗
- Pledge
- ✓
Good for one large gift
- Round-ups
- ✗
- One-off
- ✓
- Pledge
- ✗
| Round-ups | One-off gift | Monthly pledge | |
|---|---|---|---|
| You never have to remember | ✓ | ✗ | ✓ |
| The amount follows your spending | ✓ | ✗ | ✗ |
| Nothing to feel in your balance | ✓ | ✗ | ✗ |
| Set your own monthly ceiling | ✓ | ✗ | ✓ |
| Good for one large gift | ✗ | ✓ | ✗ |
Where your change makes real change.
Pick a tzedakah, link a card, and the rest happens on its own.