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Feature map

Everything Zero Debt can do.

A practical workspace for turning debts, payments, bills, and progress into one clear payoff plan.

Create account Try calculator
01

Control center

A dashboard that keeps the whole plan visible.

See your balance, payments, APR, payoff date, utilization, activity, and risk signals in one place.

  • KPI ribbon
  • Recent activity
  • Plan health signals
02

Payoff planning

Build a payoff schedule from the accounts you already track.

The payoff plan turns balances, rates, minimums, extra payments, and strategy into a month-by-month view.

  • Projected schedule
  • Interest saved
  • Saved scenario controls
03

Method comparison

Compare the emotional win with the mathematical win.

Snowball and avalanche sit side by side so users can compare momentum with lower total interest.

  • Side-by-side cards
  • Interest delta
  • Scenario updates
04

Forecasting

Turn monthly progress into a visible trajectory.

Progress and forecast views show how balances move over time and how projections change when payments change.

  • Balance trend
  • Milestones
  • Projection controls
05

Credit pressure

Track utilization before it becomes invisible stress.

Credit utilization combines account limits, current balances, and thresholds so users can spot pressure early.

  • Overall utilization
  • Account thresholds
  • Limit editing

Next screengrabs

Three sections are ready for tighter product images.

These are preview slots. Add smaller screengrabs later without changing the page structure.

Zero Debt dashboard showing account cards and what to pay next

Debt accounts

Account cards and editor

Balances, APR, payment rules, due dates, health, notes, and tags.

Dashboard-focused preview with real account cards and decision cues.

Zero Debt progress and forecast preview showing monthly movement and schedule context

Payments

History and additional payments

Manual payment logs, reconciliation, extra payment scheduling, and scenario assignment.

Progress and payment flow preview with saved planning context.

Zero Debt credit and balance health preview showing utilization and account totals

Bills

Outgoings beside the debt plan

Recurring bill accounts, due-state emphasis, monthly totals, import flow, and mobile-friendly list views.

Supporting health view with balance concentration and totals.

Ready when you are

Start with the calculator, save when the plan matters.

Zero Debt is useful before signup. It becomes a tracking workspace when you want to keep history and progress.

Run a payoff plan See pricing

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