ZeroOut Debt Planner

Free debt payoff tracker. No ads, no accounts, no data collection. Your finances stay on your device.

ZeroOut helps you build a clear, step-by-step plan to pay off your debt. Enter your debts, choose a strategy, and see exactly when you'll be debt-free.

HOW IT WORKS Add your debts with balances, interest rates, and minimum payments. ZeroOut calculates your optimal payoff order using either the Snowball method (smallest balance first) or Avalanche method (highest interest first). Track each payment and watch your balances drop to zero.

FEATURES

• Snowball & Avalanche strategies with side-by-side comparison
• Month-by-month payment schedule showing every debt
• Track payments and mark debts as paid off
• PDF Roadmap export to save or share your plan
• Income & bills tracker to find extra money for debt
• Visual progress dashboard with debt-free date countdown

PRIVACY FIRST ZeroOut collects zero data. No accounts, no analytics, no third-party SDKs. All your financial information stays on your device using Apple's SwiftData. We can't see it, and neither can anyone else.

COMPLETELY FREE No ads. No in-app purchases. No subscriptions. No paywalls. ZeroOut is and will always be 100% free.