Debt Payoff Tracker - Zero

Track every balance you owe, every interest charge, every repayment. Snowball or Avalanche - your path to freedom starts now.

Zero - Know Your Debt-Free Date.

Zero is the debt payoff app built around one number that actually matters: the day you make your last payment. Every balance, every repayment, every interest charge - tracked with precision so you can see exactly where every dollar goes and exactly how fast you can reach freedom.

CHOOSE YOUR STRATEGY

• Debt Snowball: Pay off your smallest balance first. Build momentum. Feel wins compound.
• Debt Avalanche: Attack the highest-interest debt first. Pay less interest overall.
• Compare both side-by-side: see which strategy saves more in interest and time.
• Switch strategies anytime without losing your data.

UNDERSTAND WHERE EVERY DOLLAR GOES

• See every balance you owe - credit cards, auto loans, personal debts, and more
• Track monthly interest charges and total interest cost per debt
• Watch your principal balance shrink with every repayment
• Know how your income and expenses affect your debt payoff pace
• What-If Calculator: how much do you save by adding $100 or $500 per month?

WATCH YOUR PROGRESS

• Total debt countdown with a live payoff date projection
• Milestone celebrations at 25%, 50%, 75%, and the moment you reach zero
• Days-to-freedom countdown (Premium)
• Full repayment history (Premium)

AI DEBT COACH (PREMIUM) Ask your AI coach anything about your debts, your repayment options, or your path to financial freedom.

• "Should I switch from Snowball to Avalanche?"
• "What if I repay an extra $300 this month?"
• "How do I free up income to accelerate my payoff?" Powered by advanced AI. 30 questions per day.

ZERO PRO FEATURES

• Unlimited debts (free tier: up to 5)
• Full repayment history
• Interest vs. principal monthly breakdown
• Payoff timeline visualization
• Days-to-freedom countdown
• AI Debt Coach (30 queries/day)
• Export to CSV
• Shareable progress cards
• Custom app icons

FREE TIER INCLUDES

• Up to 5 debts tracked
• Snowball and Avalanche strategies with side-by-side comparison
• Payment logging with milestone celebrations
• Payoff date projection
• 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/