Zero

Debt payoff, without the overwhelm

See the day your debt hits zero.

Bring every balance into one calm plan. Pick your payoff strategy, check off each payment, and watch your debt-free date move closer.

Download on theApp Store Free to start · No account required
Zero app home screen with total debt, progress ring, and next payment
Illustrative plan
No bank loginAdd only what you need
Private by designYour numbers stay on-device
Free core toolsYour plan isn't behind a subscription

A plan you can actually follow

One number.
Two proven ways forward.

Choose Fast Wins for the motivation of smaller balances disappearing first, or Less Interest to target the highest rates. Zero turns either strategy into a simple payment-by-payment plan.

Fast WinsDebt snowball
Less InterestDebt avalanche
Your strategy
Zero payoff plan screen showing a debt payment schedule
Every next step, already clear

Keep the promise

Never wonder what’s due next.

Gentle reminders arrive before each due date. Mark a payment complete with one tap and keep your plan moving.

Zero reminders screen with upcoming debt payments

Make the future tangible

See what an extra $25 can change.

Move one slider to test an extra monthly payment. See the months and interest you could save before spending another dollar.

Zero what-if calculator showing the effect of extra monthly payments

Private by design

Your debt is personal.
Your data stays that way.

No bank connections. No account to create. No financial data sent to a server. Your plan lives on your device, where it belongs.

Read the privacy policy

Your whole payoff journey

Clear at a glance.
Useful every month.

Home dashboard
One clear balance
Payoff plan
Your payoff plan
Payment reminders
Upcoming payments
Progress and milestones
Progress worth seeing
What-if calculator
A faster route

Good to know

Simple answers.

Does Zero connect to my bank?

No. You enter the balances, rates, and minimum payments you want to track. Zero never asks for a bank login.

What’s the difference between snowball and avalanche?

Fast Wins, or debt snowball, pays the smallest balance first. Less Interest, or debt avalanche, targets the highest interest rate first.

Is Zero free?

Yes. Core tracking, reminders, and both payoff strategies are free. Zero Plus is an optional one-time unlock for additional tools.

What kinds of debt can I track?

Credit cards, student loans, car loans, medical bills, personal loans, and other balances with a payment plan.

Zero app icon

Start today

Your plan to zero starts with one number.

Add what you owe. Choose your strategy. Take the next clear step.

Download on theApp Store