Feature map

A clearer way from numbers to debt-free.

Start with a free calculation, then keep the plan, the payments, and the next milestone in one calm workspace.

How it works

Four decisions turn a list of balances into a plan you can keep.

Start with the numbers, choose your route, see the schedule, and keep moving as real payments change the picture.

Start with the numbers

Enter the debts you already have, then let Zero Debt turn balances, rates, minimums, and extra payments into a clear starting point.

Choose your route

Snowball and avalanche use the same debt list, so you can see the tradeoff between quick wins, interest saved, and the date you become debt-free.

See the schedule

The payoff plan shows what happens next, how each payment is allocated, and how extra money changes the timeline.

Keep moving

Log what you pay, rerun the forecast when life changes, and keep the debt-free date visible without rebuilding a spreadsheet.

The rest of the workspace

Track the accounts, payments, and bills that make your plan real, with the same calm view on every screen.

Workspace

See what to pay next, the balance that remains, recent activity, and the signals that deserve attention.

A calm daily starting point, not another spreadsheet to maintain.

Accounts

Store balances, APRs, minimums, due dates, and payment history beside the plan they affect.

The source of truth for every projection.

Outgoings

Track the monthly commitments that shape what you can safely put toward debt.

A fuller view of the monthly pressure around your plan.

Ready when you are

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