A dashboard that keeps the next decision in front of you.
See what to pay next, the balance that remains and anything that needs attention.
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.
- Free calculators, no account needed
- You type in your own figures
- A planning tool, not financial advice
A worked example
Three debts, with £150 a month on top of the minimums.
| Debt | Balance | APR | Minimum |
|---|---|---|---|
| Credit card | £6,200 | 24.9% | £186 |
| Store card | £1,100 | 12.9% | £33 |
| Personal loan | £3,900 | 19.9% | £120 |
| Total | £11,200 | £339 |
Snowball
May 202931 months · £3,746 interest
Avalanche
Apr 202930 months · £3,313 interest
Avalanche saves £434 in interest and finishes a month sooner. Snowball clears the store card first, in month 7, for a quicker win.
Four steps from a list of balances to a plan you can keep.
Start with the numbers, choose your route, see the schedule, and keep going as real payments change the picture.
Add every balance once. Get a plan you can actually follow.
Enter the debts you already have. Zero Debt turns balances, rates, minimums and any extra payment into a clear starting point.
Compare quick wins with the cheapest path.
Snowball and avalanche use the same debt list, so you can see the trade-off between clearing debts sooner, interest saved and your debt-free date.
Turn a strategy into a month-by-month route to zero.
The payoff plan shows what happens next, where each payment goes and how extra money changes the timeline.
Projections are estimates based on the numbers you enter.
Watch the balance and the next milestone move with you.
Log what you pay, rerun the forecast when life changes, and keep the debt-free date in view without rebuilding a spreadsheet.
Everything around the plan stays close to it.
Track the accounts, payments and bills that make your plan real, with the same calm view on every screen.
Keep the details that make the plan real.
Balances, APRs, minimums, due dates and payment history sit beside the plan they affect.
Bring bills into the same picture.
Track the monthly commitments that shape what you can safely put towards debt.
Start free. Save the plan when it becomes yours.
Zero Debt is useful before you sign up. It becomes a tracking workspace when you want to keep history and progress.