DebtZero

DebtZero is the private, offline way to see all your debts in one place — and get a real plan to eliminate them. Most debt apps either connect to your bank account, or charge you a monthly subscription just to help you pay off debt. DebtZero does neither. You enter your debts yourself, everything stays on your iPhone, and you unlock the full payoff plan with a single one-time purchase. WHAT YOU GET • See every debt in one place — credit cards, student loans, car loans, medical bills, and more • Snowball or Avalanche — pick the strategy that fits you; switch any time and see results instantly • Your exact debt-free date — calculated live from your balances, APRs, and extra monthly budget • Interest saved — see exactly how much extra money stays in your pocket vs. making minimums • What-if planner — drag the extra monthly budget slider and watch your payoff date move in real time • Burndown chart — a visual record of your total debt falling month by month • Payment-due reminders — local notifications before each due date so you never pay a late fee • Balance updates — record each payment to keep your burndown curve accurate PRIVATE BY DESIGN No account. No bank login. No cloud sync. No analytics. No ads. Everything you enter stays on your device — always. We never touch your money, and we never see your data. ONE-TIME PURCHASE, NEVER A SUBSCRIPTION Add unlimited debts and track balances for free. Unlock the full Payoff Plan — snowball/avalanche strategies, debt-free date, interest saved, what-if planner, and payment reminders — with a single one-time purchase. Buy it once, own it forever. We will never charge you a monthly fee to plan your way out of debt.