PlanZero

PlanZero helps you organize your debts with a clear, monthly, and easy-to-follow plan.

How it works

1. Register your budget: Enter your income and fixed expenses to see how much you can allocate to debt payments each month.

2. Organize your debts: Add each debt with its balance, interest rate, and minimum payment. PlanZero does the calculations for you.

3. Follow the plan: The app shows you how much to pay and which debt to prioritize to move forward methodically.

Two proven strategies

- Avalanche: Prioritize the debt with the highest interest rate to reduce interest.

- Snowball: Prioritize smaller debts to pay them off and maintain momentum.

You choose the method that best suits your situation.

Monthly tracking

Record payments, review your progress, and end each month with a clear picture of your financial situation. PlanZero saves your history so you can see how your debt evolves.

Privacy First

Your debts, budget, and payments are stored on your device. You don't need to connect banks or provide banking credentials. If you use optional features like document reading, financial chat, or Premium verification, the app may only send the necessary information to PlanZero services to process that feature.

See the full path

The Plan screen shows you how much you should pay each month and how much you would still owe. You can estimate which month you would reach zero debt if you maintain your current pace.

Free Features
- Up to 3 active debts
- Monthly payment plan
- 3-month projection
- Monthly closing and recording
- Limited financial chat

Premium
- Unlimited debts
- Projection up to 36 months
- Complete closing history
- Export your plan as a PDF
- Data backup
- Custom budget categories
- Expanded financial chat

PlanZero is for people who want to stop improvising and follow a realistic plan each month, until they reach zero debt.