Since the first Zero Debt blog post, a lot has changed.
We’ve made significant progress building Zero Debt into a practical and powerful debt management tool. Sign-ups are still closed for now, so the focus has been on getting the core features right, testing them properly, and making sure that when we do open the doors, there is a genuinely useful product waiting on the other side.
"Global debt has now reached record levels, exceeding $324 trillion" - Reuters.
Debt itself isn’t a commodity, but modern financial systems certainly know how to package and sell it like one.
Credit cards, loans, overdrafts and buy now, pay later — borrowing is made incredibly easy. Paying it all back is a very different experience. So where does that leave you?
When debt starts piling up, it can feel like the odds are stacked against you — and in many ways, they are. Interest keeps building, minimum payments barely seem to move the balance, and it becomes tempting to stop looking at the numbers altogether.
It’s easy to fall into the habit of simply making the minimum payment each month and hoping that, eventually, the debt will disappear. And technically, it might — but the more important question is: how long will that actually take?
That’s one of the problems Zero Debt is being built to help answer. You don’t need to wait for sign-ups to open to start exploring that question either. We’ve made our Debt Payoff Calculator publicly available, with no account required.
Try the Zero Debt Payoff Calculator →
Add your debts, adjust how much extra you could put towards them each month, and see what the numbers actually look like. You can compare different payoff approaches and get a much clearer picture of the difference that changing your repayment strategy could make.
Sometimes simply seeing the timeline laid out in front of you makes the problem feel a lot more manageable.
So, what has changed since June?
Quite a lot. The last few months have mostly been about turning Zero Debt from an idea and an early set of tools into something much closer to a complete product.
Rather than rushing to open registrations, we’ve continued building, rebuilding and testing the parts of Zero Debt that we think matter most.
Here’s the changelog since June and a look at what we’ve been working on.
June 2026
- Public calculators became available to everyone.
- Made calculator results clearer, including savings and payoff dates.
- Improved the mobile membership-selection experience.
- Added clearer messages when a plan is empty or missing information.
July 2026
- Added new guides, FAQs, and debt-planning resources.
- Improved debt-account editing and balance updates.
- Redesigned the payoff-plan schedule to make monthly payments easier to follow.
- Improved progress tracking and payment-status updates.
- Added balance-transfer tracking.
- Upgraded the payoff and progress charts.
- Improved payoff exports and debt-account cards.
- Added clearer in-app notifications and payment history.
- Fixed issues adding new bill items.
August 2026
- Improved payment-due editing and payoff-plan controls.
- Refreshed the workspace design, including better mobile layouts and light mode.
- Added educational explanations to the calculator pages.
- Added the Tools hub for finding calculators and resources.
- Added a dedicated debt-free-date calculator.
- Improved the payment planner.
- Added clearer guidance when information is incomplete.
- Improved payoff accuracy around payment dates, cleared debts, and payment statuses.
- Improved bill management.
- Added payoff tracking history.
September 2026
- Improved payment-cycle tracking and due-status displays.
- Refined the progress and forecast experience.
- Added a Help Centre with support articles.
- Corrected historical progress totals and payment visibility.
- Added the ability to reverse a balance transfer.
- Improved the Compare Methods and Payoff Plan pages.
- Improved payment-planner scheduling.
- Refreshed the main workspace pages, including Debt Accounts, Bills, Credit Utilization, Payment History, and Account Settings.
- Redesigned the Balance Transfer calculator and corrected loan-calculation issues.
- Polished the public calculator and membership pages.
What comes next?
The main Zero Debt platform is getting closer to the point where we’re ready to open it up.
We’re not putting a date on that just yet, but we’ll be sharing launch dates very soon. For now, the focus remains on testing what we’ve built, ironing out the rough edges and making sure the platform is ready before we start inviting people in.
The next phase of work is also about building out the wider Zero Debt website.
Alongside the calculators and platform itself, we want Zero Debt to become a genuinely useful place to understand debt and the options available to you. That means putting more time into our Guides, expanding the Debt Glossary, building out our Financial Resources and answering more of the questions people have when they’re trying to get their finances back under control.
There’s still plenty to build, but Zero Debt is starting to look a lot more like the product we originally set out to create.
We’ll have more to share soon.