# AlmostZero - Debt Tracking App — Smart Debt Repayment Planner

> Personal finance app for debt management, expense tracking, and savings goals. (iPhone/iPad app by Life Utility Apps, LLC.)

- Source: https://appshunter.io/ios/app/almostzero-debt-tracking-app/id6474574024 (this page in markdown: same URL + `.md`)
- Developer: [Life Utility Apps, LLC](https://appshunter.io/developer/1721977600)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Rating: 4.80/5 from 75 App Store ratings · 21 written reviews indexed
- Age rating: 4+
- Requires: iOS 26.2 · 224 MB
- Languages: Australian English, Arabic, Bulgarian, Catalan, Croatian, Czech, Danish, Dutch, Finnish, French (France) and 25 more
- Released: 2024-07-15
- Data updated: 2026-08-22
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/almostzero-debt-tracking-app/id6474574024/reviews.md

## What is AlmostZero?

AlmostZero is a personal finance app that helps you manage debt, track spending, and reach your savings goals. Credit cards, student loans, mortgages, auto loans — bring all your debts together in one app and get a clear picture of your financial situation.

Struggling to plan repayments, spending more than you'd like, or finding it hard to save consistently? AlmostZero is designed to help you organize your money and stay on track without the stress. With visual progress indicators and practical repayment strategies, you can see exactly where you stand and how to move forward.

【Key Features】

▸ Debt & Loan Management
Track credit cards, personal loans, mortgages, auto loans, and student loans all in one place. The app automatically calculates accrued interest, remaining term, and estimated payoff date, so you can see the status of every debt at a glance.

Repayment frequency is fully customizable — weekly, biweekly, monthly, quarterly, and more, matched to your income cycle. Clear progress charts show you how far you've come and help you stay motivated.

Two proven repayment strategies are supported: the snowball method (pay off the smallest debts first) and the avalanche method (pay off the highest-interest debts first). Choose the strategy that fits your situation best.

▸ Expense Tracking
Log your daily expenses and they're automatically organized by category. View spending by merchant or category to understand exactly where your money is going.

Analyze spending trends by day, week, month, or year to identify your habits. Set a budget and receive a notification when you're approaching your limit.

▸ Savings Goals
Create multiple savings goals with individual target amounts and deadlines. The app automatically calculates the savings pace you need and displays your progress clearly. A progress bar helps you stay on track.

▸ Link to Assets
Connect your debts to assets like property or vehicles. By viewing debts and assets together, you get a more complete picture of your overall financial position.

▸ Tag Organization
Use custom tags to organize your debts and expenses flexibly. View totals and statistics by tag to analyze your finances from different angles.

▸ Multiple Currencies
All major world currencies are supported. Switch your display currency with a single tap — convenient for use abroad or managing finances across multiple currencies.

▸ Financial Education
Access clear, approachable content covering debt management, savings tips, investing basics, and other financial topics. Build your financial knowledge right inside the app.

▸ Financial Calculator
Simulate different repayment and savings plans with the built-in calculator to make more informed financial decisions.

【Privacy & Security】

Protecting your financial data is our top priority. AlmostZero supports biometric lock with Face ID and Touch ID.

All data is stored on your device and synced securely through iCloud. No account creation or bank linking required. Your data is never collected or shared with third parties.

【Data Management】

iCloud sync automatically shares your data between your iPhone and iPad. Import and export in JSON format makes backup and data transfer simple.

【What Sets AlmostZero Apart】

• Built for debt reduction — packed with features to help you pay off what you owe
• Simple and intuitive — powerful yet easy to use
• Strong privacy — your data stays on your device and in iCloud only
• Regular updates — new features and improvements added continuously

Start today with AlmostZero and bring more clarity to your finances. Reduce your debt step by step and work toward your savings goals.

## Key features

- Debt & Loan Management
- Expense Tracking
- Savings Goals
- Link to Assets
- Repayment Strategies (Snowball/Avalanche)
- Financial Education
- Multiple Currencies

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| AlmostZero Pro Monthly | $4.99 | per month |
| AlmostZero Pro Yearly | $29.99 | per year |
| Monthly Pro | $0.99 | per month |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Lifetime AlmostZero Pro | $49.99 | one-time |
| Lifetime Pro | $14.99 | one-time |
| Tip | $0.99 | one-time |
| Tip | $2.99 | one-time |
| Tip | $5.99 | one-time |
| Tip | $7.99 | one-time |
| Tip | $12.99 | one-time |
| Tip | $3.99 | one-time |
| Tip | $14.99 | one-time |
| Steak Dinner sized Tip | $19.99 | one-time |


## Recent user reviews (10 of 21)

All indexed reviews: https://appshunter.io/ios/app/almostzero-debt-tracking-app/id6474574024/reviews.md

### 1/5 — I think it is scam

*2026-05-28*

Cuz i already paid and the app is not allowing me to add cards or debts, besides it’s lagging

**Developer response:** We’re very sorry you’re experiencing this. Can you please connect with us by submitting a bug report from the Contact screen in Settings, and we’ll investigate and get this fixed for you. After unlocking the paid features, you should be able to add cards and debts without restrictions.

Thank you for bringing it to our attention.

### 3/5 — Good, could be better

*2026-05-15, version 2.0*

This is almost perfect! The main thing missing is a widget to add to my Home Screen. I am very visual and would love to be able to see my progress from there. Also how about add a tile for those who are paying towards a medical expense such as elective (plastic) surgery.

### 5/5 — Great budgeting app

*2025-03-17, version 1.7.9*

The design is cool with the logos, the interface is easy to use, and the Learn tab is incredibly helpful for improving financial habits. The fact that it offers a low-cost Pro feature lifetime fee instead of a subscription is a game-changer! Highly recommend for anyone looking to take control of their finances without a high monthly cost!

### 5/5 — Endgame App

*2025-03-04*

You owe it to yourself to use this app and support this developer.

And apparently you owe others too so better get to downloading.

### 5/5 — First Home Buyers Must Have

*2025-01-25, version 1.7.7*

Thinking on buying a place or simply get financially organized ? This app is a must have. Easy to use and more importantly sets you up for your next financial goal.

### 5/5 — Good debt-tracking app

*2024-11-17*

This is a very good app! I am able to track my debts and savings all in one, easy-to-use app. I would highly recommend it to people looking for a free solution for debt and savings tracking.

**Developer response:** Thank you for the awesome review! We’re so glad to hear you’re finding DownPay helpful for managing your debts and savings. Your recommendation means a lot to us!

Best regards,
The DownPay Team

### 5/5 — A+ app for tracking debt and savings planning.

*2024-11-08, version 1.7.3*

I’ve been looking for an app like this for years, something pretty advanced but is easy to use, feature packed with a beautiful user interface and experience. This has it all for me. A+ support from the developer as well, and really looking forward to seeing whatever else this developer makes in the future. Great pricing as well for an app like this. Highly recommend.

### 5/5 — Great, but some suggestions!

*2024-09-17, version 1.6.10*

First off, I love the app and appreciate it’s existence, lol. It’s simple, to the point. I like manually updating it bc it forces me to pay attention to my finances and debt. 

I do have some suggestions, though!

First, and this is HUGE to me and would make this my only budgeting app, is that there should be an overall progress. I like that we can see our progress for each individual debt, but there isn’t an option to see your overall payoff or a timeline with your past balance. Maybe having the option to click on your “total owed”, then it takes you to another page where you can see your total payoff, all payment history and charge history in one place. 

Second, it would be nice to be able to adjust the order of your savings. I have a few things in there that are miscellaneous, not high priority and don’t have “save by” dates. Since I made those first, those show up at the top of my savings list and I have to scroll down to see the important savings. having the options to sort by amount saved, due date, alphabetical, etc would be useful.

### 5/5 — great app!

*2024-09-10, version 1.6.8*

this app is so helpful, i'm not an organized person but this is pretty easy to use and i love the little icons of the trip destinations that i'm saving up for!!!

### 1/5 — When u pay every thing stays the same

*2024-08-28, version 1.6.8*

Paid for pro still couldn’t adjust payment frequency so no good for me I even deleted and re made my debts still wouldn’t let me

## Frequently asked questions about AlmostZero

### What does AlmostZero do?

AlmostZero is a personal finance app designed to help you manage all your debts, track your daily expenses, and set and achieve your savings goals. It provides visual progress indicators and practical repayment strategies to help you get out of debt and improve your financial situation.

### What are the key features of AlmostZero?

Key features include comprehensive debt and loan management for various loan types, detailed expense tracking with categorization, the ability to set and monitor multiple savings goals, linking debts to assets for a holistic financial view, and support for two proven repayment strategies: snowball and avalanche.

### Is AlmostZero free to use?

The app is free to download and use, offering core functionalities for debt tracking and expense management. Additional features or advanced capabilities may be available through in-app purchases, providing a freemium model.

### What devices is AlmostZero compatible with?

The app is designed for mobile devices and supports biometric lock features like Face ID and Touch ID for enhanced security. Data is stored locally on your device and synced securely via iCloud, indicating compatibility with iOS devices.

### How can AlmostZero help me manage my debt?

AlmostZero allows you to consolidate all your debts into one place, providing a clear overview of your financial obligations. It offers customizable repayment frequencies and supports popular strategies like the snowball and avalanche methods, helping you create a structured plan to pay off your debts efficiently.

## Version history (last 5 releases)

### 2.1 — 2026-08-10

• Payment Reminders for Debts & Loans: Never miss a payment again. Create custom reminders for any debt or loan and get notified before, on, or after each payment is due — at exactly the time of day you choose.

• Reminders That Follow Your Schedule: Reminders automatically track each debt's payment frequency — weekly, biweekly, monthly, quarterly, yearly, or end-of-term — and stay in sync when due dates change or a debt is paid off.

• Personalized Reminder Messages: Write your own notification text with smart tokens for the debt's name, payment amount, and due date, and see a live preview of exactly what your notification will say.

• Reminders Manager: A dedicated manager screen for creating, editing, and toggling reminders, plus reminder badges and quick actions right on your debt rows. Tapping a notification takes you straight to the relevant reminders.

• Reminders Sync with iCloud: Your reminders sync across all your devices, and each device schedules its own notifications automatically.

• What's New After Updates: After updating the app, a one-time What's New screen now highlights everything that changed in the new version.

• Discover Our Apps: Explore our other apps from the redesigned Preferences screen, with search, category browsing, and App Store pages you can view without leaving the app.

• Fixes & Stability Improvements: General bug fixes, performance tuning, and reliability improvements across the app.

### 2.0 — 2026-03-17

- All-New Tags System: Create custom tags with names, colors, icons, optional date ranges, and template presets. Manage them all from a dedicated Tag Manager organized into active and unused sections.

- Preferred Tags for Faster Entry: Pin your most-used tags in settings and apply them instantly while creating transactions.

- Tagging Built Into Transactions: Add, edit, and clear tags directly from transaction creation, editing, and transaction rows with color-coded tag chips and quick actions.

- Tag Analytics & Explore Views: New tag dashboards surface totals, activity trends, transaction counts, and most-used and recently-used tags, plus detailed per-tag explore screens with richer metrics.

- Tag-Based Spending Insights: Spending Manager now features a horizontal tag spending list with per-tag totals, date-range subtitles, duration filtering, and quick "View All" exploration.

- Monthly Spending Summary Sheet: A dedicated monthly summary with category and merchant breakdowns, including a spending-by-category chart that groups smaller categories for clarity.

- Spending Explore Enhancements: Reusable category breakdown visualizations and expanded explore flows now support both debt-linked and external transaction sources.

- Transaction Search & Detail Experience: Search transactions from the Spending Manager, browse results on a dedicated search screen, and view full transaction details with inline editing.

- Smarter Label Suggestions: Transaction label input now surfaces dynamic suggestions from your existing data to speed up entry and keep labels consistent.

- Backup Import/Restore Workflow: Import backup JSON data with validation, duplicate detection, progress tracking, and detailed import results.

- Export Includes User Tags: Data exports now include user tag records and tag counts for more complete backups.

- 44 Languages Supported: AlmostZero now supports 44 languages, making it accessible to users around the world in their preferred language.

- 150+ Currencies Supported: Track your finances in over 150 currencies with locale-aware formatting for decimal separators, currency symbols, and percentage displays.

- Expanded Localization Coverage: All new screens and flows, including tags, charts, monthly summaries, and transaction details, are fully localized.

- iOS 26 Liquid Glass Upgrade: AlmostZero now targets iOS 26 with Liquid Glass visual updates across major navigation and tag management surfaces.

- Fixes & Stability Improvements: General bug fixes, performance tuning, and reliability improvements across the app.

### 1.8 — 2025-06-04

What's New in DownPay Version 1.8:

- Full Localization Support: DownPay now supports multiple languages, allowing users to experience the app in their preferred language. Nearly every screen and view now features localized text.

- Language Switching: Added the ability to switch languages directly from the app settings for enhanced accessibility.

- New Languages Available: DownPay is now available in 10 languages: German, English, Turkish, French, Spanish (LATAM), Chinese (Simplified), Dutch, Russian, Swedish, and Italian.

- Bug Fixes: Addressed minor bugs to improve overall app stability and performance.

### 1.7.10 — 2025-04-01

What's New in DownPay Version 1.7.10:

- Savings Goal Preview: Easily see how much you need to save daily, weekly, or monthly to reach your goal. Now available on both the savings creation screen and goal details.

- Update Card Balance: You can now quickly update a credit card’s balance with a new one-tap action right from within the Spending Manager.

- Create New Cards: Added a new shortcut to create credit cards directly from the Spending Manager for easier setup.

- UI Enhancements Across Key Screens: We increased spacing and improved layout on key screens such as Edit Transaction, Create Transaction, and Settings for better readability and easier interactions.

- Bug Fixes & Performance Improvements: Resolved several issues and made behind-the-scenes enhancements to keep DownPay running smoothly.

### 1.7.9 — 2025-03-03

What's New in DownPay Version 1.7.9:

- Link Credit Card Transactions to Merchants: You can now assign transactions to thousands of apps, merchants, and services for better spending tracking.

- Merchant Spending Insights: View all transactions with a specific merchant, broken down by month and year, with a searchable interface.

- Favorite Merchants: Mark your most-used merchants as favorites to have them appear at the top of the search list.

- Quick Link Actions: Tap and hold or swipe to quickly link a transaction to a merchant.

- Offline Merchant Search: Merchant search works without an internet connection, keeping the experience smooth and accessible anywhere.

- New Vehicle Icons for Lending Manager: Added vehicle icons to better categorize loans inside the Lending Manager.

- Credit Balance Fix for Credit Cards: Properly displays credit balances when refunds push a credit card into a positive balance.

- Enhanced Debt Details: Improved layout and readability, plus the ability to copy details like dates and currency amounts.

- General Improvements: Various UI tweaks, minor fixes, and performance enhancements to refine the DownPay experience.

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All apps by Life Utility Apps, LLC: https://appshunter.io/developer/1721977600

## Related topics

[debt tracking](https://appshunter.io/ios/topics/debt-tracking) · [dívidas](https://appshunter.io/ios/topics/dívidas)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-22.*