Your plan to be
debt free.
Designed with privacy and simplicity. Organize your balances, strategize your payoff method, and track your visual countdown to financial freedom.
Strategize with Snowball or Avalanche Methods
Different financial mindsets require different tools. Debt Zero lets you instantaneously toggle your payoff timeline between the two most effective strategies.
- Debt Snowball: Target the smallest balance first. Feel the psychological victory of early checkmarks to fuel your motivation momentum.
- Debt Avalanche: Target the highest interest rate first. Mathematically minimize the amount of money going to lenders and save interest.
Visualize your interest and time savings
Visualizing the math makes staying motivated effortless. Debt Zero calculates your payoff timeline, helping you see the compounding power of extra payments.
- Plan Savings Analytics: Directly visualize your estimated financial savings and how many months, weeks or days sooner you will cross the finish line.
- Interactive Projections: Compare your normal interest payoff schedule with your accelerated debt-free plan visually.
Map out your custom payoff schedule
Don't guess when to make extra payments or what to do next. Set up your custom payment timeline and see exactly when each of your debts will hit zero.
- Visual Payoff Calendar: View a precise payment schedule and see the exact dates you will pay off individual card and loan accounts.
- Dynamic Notifications: Get notified when you should make extra payments, or for any time a debt payment is typically due.
Celebrate milestones
Getting out of debt is a marathon, not a sprint. Celebrate every milestone along your path with rewarding, hand-crafted, shareable milestone achievements.
- Collect Milestone Stickers: Unlock unique retro-style sticker designs as you hit achievements along your financial journey.
- Share to Motivate Others: Share your milestones with your friends and family to help motivate them too.
Personalize your experience
Your financial app should feel aligned with your personality. Personalize Debt Zero with robust visual customizability options.
- Premium Theme Gradients: Pick custom styled radial gradients for your main tracker ring and application accents.
- Alternative App Icons: Customize how the app appears on your home screen with gorgeous, dark and colorful icon bundles.
Your financial data stays yours.
We believe financial tools should help you build your future, not track your behavior. Debt Zero is built from the ground up to respect your privacy.
