Popular questions
What is the difference between Snowball and Avalanche?
Snowball prioritizes quick wins; Avalanche prioritizes lowest interest cost.
Snowball pays your smallest balance first for momentum. Avalanche pays the highest APR first to reduce total interest paid.
Do I need to connect my bank account?
No. Zero Debt supports manual debt tracking by default.
You can manually add debt balances, APR, and minimum payments. Bank integrations are optional and planned for later phases.
What happens when my membership expires?
Your account remains available, with premium features downgraded.
You will keep your account and data. Premium-only features can become read-only until you renew.
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