Zero: Debt Payoff Planner

See everything you owe as one number, pick a snowball or avalanche plan, and watch your debt-free date get closer with every payment you check off.

Zero helps you pay off debt - one number, one step at a time.

No spreadsheets. No stress. Just a calm, clear plan to get to zero.

See everything you owe as a single number, with your real debt-free date. Then pick a proven payoff method and watch that date get closer every time you make a payment.

WHY ZERO • One clear number - all your debts add up to a single balance and a real payoff date. • A plan that works - choose Fast Wins (debt snowball) for momentum, or Less Interest (debt avalanche) to save the most money. • Never miss a payment - gentle reminders before each due date, then one tap to mark it paid. • Stay motivated - a progress ring, payment streaks, and milestone celebrations keep you going. • See "what if" - move one slider to see how paying a little extra each month brings your debt-free date sooner.

BUILT FOR REAL LIFE Student loans, credit cards, a car loan, or medical bills — Zero keeps it simple. Add what you owe in three quick fields and you're set.

PRIVATE BY DESIGN Your numbers stay on your device. No bank logins, no accounts, no servers.

FREE TO GET DEBT-FREE The core tools - tracking, reminders, and the snowball & avalanche plans — are free forever. Zero Plus is an optional one-time unlock for unlimited debts, home-screen widgets, custom reminders, and unlimited what-if calculations.

Start today. Get to zero.

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