Questions you might have.

Zero Debt is a debt payoff planner built to help people understand how long repayment could take and what to pay next.

You enter your debts, including balances, minimum payments, and interest rates, and the app helps you compare strategies, estimate your debt-free date, and build a plan you can follow.

Zero Debt handles the payoff math automatically and lets you compare Snowball and Avalanche side by side.

It is designed to be easier to maintain over time than a spreadsheet you have to build, update, and audit yourself.

Yes. The public calculators are free to use without creating an account.

Paid plans are for people who want to save plans, track progress over time, and unlock additional workspace features.

The calculator uses standard amortization logic based on the balances, APRs, and monthly payments you enter.

The result is only as accurate as those inputs, so the date will change if your figures or payment habits change.

Snowball sends your extra payment to the smallest balance first, which can create quick wins and visible progress earlier.

Avalanche sends extra payment to the highest APR first, which usually reduces total interest paid. Zero Debt lets you compare both using the same inputs.

No. You can use the public calculators without signing in.

An account is only needed if you want to save your plan and come back to it later inside the main app.

No. Zero Debt does not connect to financial institutions.

You enter your balances, rates, and payments manually, and we do not collect banking credentials.

We store the debt information you choose to save inside your account so you can track your plans and progress.

We may also record limited first-party usage events for public calculator pages, such as page views and successful runs. These events do not store browser identifiers, debt balances, or repayment inputs.

Yes. You can delete saved plans or remove your entire account from the app settings.

Account deletion is followed by permanent removal of associated app data in line with our documented retention process.

Yes. If you move to a different paid tier, billing adjustments follow the current subscription terms.

If you downgrade, the change applies at the next billing point and your existing saved plans stay available according to your access level.

If you are unhappy with a paid plan shortly after purchase, contact support and we will review it fairly.

The most current billing and refund position is set out in the pricing and legal pages if those terms change over time.