AlmostZero - Debt Tracking App

AlmostZero - Debt Tracking App

Crush Your Debt. Take Control.

65 ratings
21 reviews
Free
In-App Purchases

Details

  • Released
  • Updated
  • December 30, 2023
  • March 17, 2026

Features

AlmostZero - Debt Tracking App screenshot #1 for iPhone
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AlmostZero - Debt Tracking App screenshot #10 for iPhone
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About

Manage all your debts, track spending, and set savings goals. Visualize your financial progress with clear charts and utilize proven repayment strategies to become debt-free faster. Gain a comprehensive view of your finances by linking debts to assets and access helpful financial education.

Debt & Loan Management
Expense Tracking
Savings Goals
Link to Assets
Repayment Strategies (Snowball/Avalanche)
Financial Education
Multiple Currencies
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What's New in AlmostZero

2.0

March 17, 2026

- 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.

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Subscription plans

AlmostZero Pro Monthly

A monthly subscription to AlmostZero Pro

$4.991 Month
How to cancel AlmostZero subscription ⁉️
3

In-App Purchases

$49.99

Lifetime AlmostZero Pro

Lifetime Access to AlmostZero Pro

User reviews

I think it is scam

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

Response from developer

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.

Good, could be better

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.

Response from developer

Thank you so much for using AlmostZero! We’re really happy to hear the app has been helpful for you. Widgets are something we plan to work on, and we’re hoping to include them in our next release — stay tuned! 😊

Great budgeting app

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!
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Endgame App

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

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

First Home Buyers Must Have

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.

Developer apps

FAQ

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.