Use public calculators without an account, or create a free account to build, follow, and maintain your debt payoff plan. Choose Zero Debt Pro when you want to track how your plan is going and plan in more depth.
Core debt management is free. Zero Debt Pro adds analytics, a monthly review and more ways to plan.
Everything you need to build, follow, and maintain your debt payoff plan.
The core debt-management platform, available indefinitely.
Optimise, analyse, forecast, and experiment with your plan.
Equivalent to £1/month, billed yearly.
Monthly billing is also available at £1.99/month. Save £11.88 a year with annual billing.
Free saves the complete core plan; Pro adds advanced tools.
No account needed. Public calculators, Snowball / Avalanche comparison, and full payoff projections are free for everyone.
Try a calculator| Capability | Free account | Zero Debt Pro |
|---|---|---|
| Core account | ||
| Saved debt accounts | Unlimited | Included |
| Basic bill management | Included | Included |
| Payment recording and balance updates | Included | Included |
| Core progress and basic history | Included | Included |
| 0% deal deadline planner | Included | Included |
| Credit utilisation tracking | Included | Included |
| Advanced planning | ||
| What-if scenarios | Preview | Save and apply |
| Advanced analytics | Not included | Included |
| Monthly review and report | Not included | Included |
| Cash Flow First, Hybrid and your own order | Not included | Included |
| Balance transfer checks and utilisation targets | Not included | Included |
| Exports: PDF, Excel and CSV | Not included | Included |
| Payment reminder emails | Not included | Included |
Practical answers before you choose a plan.
Yes. Start with Zero Debt Free and move to Zero Debt Pro whenever you want advanced planning tools.
Yes. You can run the payoff calculator without creating an account.
No. Zero Debt is manual-first. You enter balances, minimums, rates, bills, and payments yourself.
Zero Debt Free includes unlimited debt accounts, basic bill management, Snowball and Avalanche comparison, the full payoff schedule and debt-free date, payment recording, balance updates, core progress, and basic payment history.
Zero Debt Pro adds advanced analytics (is your debt-free date getting closer, are you paying what you planned, where extra money does the most), a monthly review with a one-page report, Cash Flow First and Hybrid methods or your own payoff order, saved scenarios, balance transfer checks and credit utilisation payment targets, PDF, Excel and CSV exports, and payment reminder emails.
Zero Debt Pro is processed through Stripe. Choose £12 yearly, equivalent to £1 a month, or £1.99 monthly. Invoices and payment details are managed in the Stripe billing portal.
Yes. Cancel renewal from your plan area or Stripe billing portal; your current Pro access remains active until the displayed end date.
Yes. Cancel within 14 calendar days of subscribing to Zero Debt Pro and we will issue a full refund, even if you have used the workspace. After 14 days, cancelling stops the next renewal; it does not refund the current paid period unless another legal right applies. Customers in EU countries may have equivalent or additional rights under local law. Pro subscribers can contact support directly to request cancellation and a refund.
Try a calculator, create an account when you want to save progress, and upgrade only when needed.
