Best AlmostZero alternatives: apps like AlmostZero - Debt Tracking App

10+ similar apps compared and reviewed

4.3 avg rating
10 free apps
Updated November 2026

Looking for something like AlmostZero? We've analyzed 10+ similar apps to help you find the best alternative. Each app is compared by ratings, features, and real user reviews, so you can make the right choice.

Top Alternatives to AlmostZero

Debts Monitor#1

Debts Monitor by 倩 赵

Payment Track, Snowball Method
Editor's Choice
💰 Finance
3.7😐(51 ratings)
FreeAds
Debts Monitor screenshot 1
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Debts Monitor screenshot 5

Organize and track all your debts in one place. This app uses the popular Snowball method to help you manage and pay off your debts efficiently. Visualize your progress, see payoff dates, and receive payment reminders to reduce financial stress.

What We Love

  • 👍 Easy to use and understand
  • 📊 Helps track debt and payments
  • 💡 Shows principal paid and interest
  • 📈 Forecasts payoff time
  • 💰 Useful for snowballing debts
  • ✅ Reliable and dependable
  • ✨ Simple and organized layout
  • 🚀 Calculates interest quickly
  • 💯 Free and functional

Room to Improve

  • 🐛 Cannot input prior payments
  • 🐛 Cannot add accounts with $0 balance
  • 🐛 Cannot change payment amounts after setup
  • 🐛 Cannot update balance without re-entering
  • 🐛 Inaccurate payment recording
  • 🐛 Issues with dates
  • 🐛 Only allows monthly payments
  • 🐛 Free version limits to one debt
  • 🐛 Does not allow extra payments
  • 🐛 Calculations can be off
Debt Payoff Planner - Monnelia#2

Debt Payoff Planner - Monnelia by Pierre Ansar

Avalanche, Snowball Calculator
Strong Contender
💰 Finance
4.4(11 ratings)
FreeAdsIn-App Purchases
Debt Payoff Planner - Monnelia screenshot 1
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This app helps you conquer debt with personalized repayment plans. Compare strategies like snowball and avalanche, and get insights into your financial progress. Achieve financial freedom faster by saving time and money on interest.

Debts Break#3

Debts Break by LINKLINKS LTD

Payoff Plan & Snowball Method
Worth Considering
💰 Finance
4.1😐(96 ratings)
FreeAdsIn-App Purchases
Debts Break screenshot 1
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Debts Break screenshot 5

This app helps you become debt-free using popular payoff strategies like the Snowball method. It offers visual tracking, detailed reports, and multiple payoff plans to manage your debts effectively and save on interest.

What We Love

  • 👍 User-friendly interface and easy to navigate
  • 📊 Clear visual charts and graphs for debt tracking
  • 💰 Effective debt snowball method for motivation
  • 🎯 Simple and straightforward debt management
  • 📱 Clean, attractive design
  • 🔧 Customizable payment plans and schedules
  • ⚡ Quick calculations and instant results
  • 🎨 Well-organized layout for viewing all debts at once
  • 📈 Helpful progress tracking and visual motivation

Room to Improve

  • 🐛 Frequent app crashes and freezing issues
  • ❌ Decimal point removal in interest rates (major bug)
  • ⚠️ Inaccurate calculations after updates
  • 🔔 Notification system not working properly
  • 💸 Snowball feature locked behind paywall
  • 🚫 Cannot edit actual payment amounts made
  • ❌ Limited payment frequency options (no biweekly)
  • ⚠️ Slow performance and long load times
  • 🔧 Data loss after crashes
  • 📧 Poor customer support response
  • 🎯 Automatic payment redistribution without user approval
  • ❌ Cannot delete paid-off debts
  • 💳 No support for non-traditional loan types
  • 🌍 Limited currency support (no GBP)

More apps like AlmostZero

4
Pay Off Debt: Debt Calculator
Pay Off Debt: Debt Calculator
Pay Off Debt: Debt Calculator
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This tool helps you pay off loans faster by calculating the impact of extra payments. Input your debt details and see how lump sums or recurring additional payments can save you interest and shorten repayment periods.

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Debt Guide - Payoff Planner
Debt Guide - Payoff Planner
Debt Guide - Payoff Planner
Snowball Calculator & Tracker
Free

Manage and track multiple debts with a personalized repayment plan. Utilize proven strategies like Snowball and Avalanche to pay off loans and credit cards faster. Visualize your progress with charts and receive payment reminders to stay on track.

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My Debts: Control & Payments
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Organize and track all your debts, bills, subscriptions, and daily expenses in one place. Receive timely payment reminders and view insightful spending reports to improve your savings and financial planning.

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Debt Fix
Debt Fix
Debt Fix
Debt Payoff Planner & Tracker
Free

Easily track your debts and create a personalized payoff plan. Get a clear financial breakdown, analyze your progress with a report page, and utilize an amortized schedule to see all your payments. Start your journey to financial freedom.

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Debt Payoff Box: Snowball Plan
Debt Payoff Box: Snowball Plan
Debt Payoff Box: Snowball Plan
Loan Tracker and Planner
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This app helps you organize and plan to pay off your debts efficiently. It supports various payoff strategies and allows you to track your progress, offering insights into interest and time savings. Get a clear overview of all your debts in one place to achieve financial freedom.

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PayAway: Debt Payoff Planner
PayAway: Debt Payoff Planner
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This app helps you pay off debt faster and improve your credit score simultaneously. It offers personalized payoff plans, tracks all your debts, and uses a unique method to boost credit utilization while you eliminate balances.

All-in-one debt trackerPersonalized payoff plans (Snowball, Avalanche, Custom)Smart debt payoff calculator
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My Debt Manager & Tracker
My Debt Manager & Tracker
My Debt Manager & Tracker
Track and Manage Debts & Loans
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Easily track and manage all your debts and loans in one place. This app simplifies due dates, payments, and balances with intuitive color coding and automatic data backup. It supports multiple currencies, recurring payments, and offers AI-driven insights to help reduce debt stress.

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