PRICING
Pick the level of access that fits where you are.
Start with full public calculators. Create a free account when you want to save progress, then upgrade for deeper workspace tools and exports.
Anonymous
Open calculators. No account required.
- Snowball and Avalanche calculators
- Full payoff projections
- Compare strategies instantly
- Ad-supported browsing
- No saved data
Free Account
Saved planning with practical limits.
- Save up to 2 debt accounts
- Track 1 bill account
- Full payoff projections
- Basic progress tools
Yearly Membership
Expanded saved workspace tools.
- Unlimited saved accounts
- Unlimited scenarios
- CSV / PDF exports
- Advanced analytics
Plan comparison
| Feature | Anonymous | Free | Yearly |
|---|---|---|---|
| Public calculators | ✓ | ✓ | ✓ |
| Snowball / Avalanche comparison | ✓ | ✓ | ✓ |
| Full payoff projections | ✓ | ✓ | ✓ |
| Saved debt accounts | — | 2 | Unlimited |
| Saved bill accounts | — | 1 | Unlimited |
| Basic progress tools | — | ✓ | ✓ |
| Advanced analytics | — | — | ✓ |
| CSV / PDF export | — | — | ✓ |
Common questions
Can I upgrade later?
Yes. Free accounts can upgrade to the yearly membership at any time.
Is the anonymous calculator really free?
Yes. You can run the payoff calculator without creating an account.
Do you connect to my bank?
No. Zero Debt is manual-first. You enter balances, minimums, rates, bills, and payments yourself.
What do I get on the free account?
The free account is for saved planning. You can save up to 2 debt accounts, track 1 bill account, use full payoff projections, and keep basic progress tools.
What is the yearly membership for?
The yearly membership is for people who want a larger saved workspace, unlimited scenarios, exports, and advanced analytics.