Debt Payoff Tracker - Zero

Zero maps your fastest path to debt freedom. Snowball or Avalanche - you choose. See your exact payoff date. Celebrate every milestone.

Zero - Crush Every Debt.

Zero is the debt payoff tracker that makes you feel in control of your money. Whether you owe on credit cards, student loans, car loans, or personal debt - Zero maps your fastest route to financial freedom.

CHOOSE YOUR STRATEGY

• Debt Snowball: Pay off smallest balances first. Build momentum with quick wins.
• Debt Avalanche: Tackle highest-interest debts first. Save the most money overall.
• Side-by-side comparison: See exactly how much each strategy saves in interest and time.

TRACK YOUR NUMBERS

• Total debt balance at a glance
• Monthly and yearly interest cost per debt
• Exact payoff date projection
• Days-to-debt-free countdown
• What-If Calculator: See how an extra $50 or $500 per month cuts your payoff date

CELEBRATE EVERY MILESTONE Every payment moves the bar. Zero celebrates every milestone - 25%, 50%, 75%, and the moment you hit zero.

AI DEBT COACH (PREMIUM) Get personalized payoff advice, smart extra-payment suggestions, and answers to any debt question - powered by AI.

ZERO PRO FEATURES

• Unlimited debts (free tier: up to 5)
• Full payment history
• Payoff timeline visualization
• Monthly recap showing interest vs. principal
• Debt-free countdown
• AI Debt Coach (Grok-powered, 30 queries/day)
• Export to CSV
• Shareable progress cards
• Custom app icons

FREE TIER INCLUDES

• Up to 5 debts tracked
• Snowball and Avalanche strategies
• Strategy comparison view
• Payment logging
• Payoff date projection
• Milestone celebrations
• What-If Calculator

Zero Pro is available as a monthly ($4.99/month) or yearly ($39.99/year) subscription. A 50% introductory offer may be available for new subscribers.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/