How Zero Debt
works.
A three-step engine that turns balances, rates, and minimums into a payoff plan. No guesswork. No spreadsheets.
Add every debt in one sitting.
List every balance you carry. Credit cards, loans, overdrafts, and buy-now-pay-later all work. Enter three numbers for each one.
- Balance — what you owe today.
- Interest rate — APR or EAR, however your lender quotes it.
- Minimum payment — the floor you have to hit each month.
Pick the method that fits your brain.
Zero Debt runs two algorithms on your data and shows both results side by side. Switch at any time.
- Snowball — smallest balance first. Quick wins build momentum.
- Avalanche — highest rate first. Mathematically cheapest path.
See your balance curve in real time.
The engine projects your payoff path month by month. Watch the balance slope downward as each payment chips away at the total.
- Monthly breakdown — see exactly where you stand each month.
- Interest overlay — visualise how much interest you pay each month.
- Freedom marker — the exact month your balance hits zero.
Log payments. Watch the date move closer.
Once you have a plan, save it with a free Member account. No credit card required. Log payments as you make them and the timeline updates in real time.
- Saved plans — keep up to 10, revisit, update balances.
- Payment tracking — log actual payments, see the shift.
- Export — download to spreadsheet whenever you want.
Built for focus, not distraction.
Every screen is designed around one job: getting you to your debt-free date with as little friction as possible.
See your debt-free date in minutes.
No sign-up. No spam. No judgment. Just a clear next step.
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