DebtZero USA

DebtZero USA is your all-in-one plan to get out of debt — built entirely on your device, with no account and no sign-in.

PLAN YOUR PAYOFF
• My Debts — track every balance, APR, and minimum payment; see total owed, weighted APR, and your debt-free date at minimums.
• Payoff Plan — compare Snowball vs Avalanche, add an extra-payment amount, and see exactly how much interest and how many months you save.
• Consolidate — run the math on a consolidation loan vs a 0% balance-transfer card, including transfer fees.

BUILD YOUR CREDIT KNOWLEDGE
• Credit Boost — credit-utilization calculator plus plain-English FICO score-factor education and scam warnings.
• AI Debt Coach — ask plain-English questions about getting out of debt; answers are educational only.
• Glossary — 16 key debt and credit terms explained simply.

PRIVATE BY DESIGN
No accounts, no sign-in, no tracking SDK. All of your debt data stays on your device.

IMPORTANT DISCLAIMER
DebtZero USA is an educational tool that provides estimates and general information only. It is NOT financial, credit, legal, or tax advice. We are NOT a lender, debt-settlement company, debt-collection agency, credit-repair organization, or financial advisor, and we are not affiliated with any such company or any government agency. Always consult a qualified, licensed professional before making decisions about your debt or credit.