# Debt Payoff Tracker - Zero — Snowball, Avalanche & AI Coach

> Snowball, Avalanche & AI Coach (iPhone/iPad app by Karol Jaworski.)

- Source: https://appshunter.io/ios/app/debt-payoff-tracker-zero/id6760733303 (this page in markdown: same URL + `.md`)
- Developer: [Karol Jaworski](https://appshunter.io/developer/1799974477)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 18 · 4 MB
- Languages: American English
- Released: 2026-03-28
- Data updated: 2026-08-16
- User reviews in markdown: https://appshunter.io/ios/app/debt-payoff-tracker-zero/id6760733303/reviews.md

## What is Debt Payoff Tracker?

Zero - Know Your Debt-Free Date.

Zero is the debt payoff app built around one number that actually matters: the day you make your last payment. Every balance, every repayment, every interest charge - tracked with precision so you can see exactly where every dollar goes and exactly how fast you can reach freedom.

CHOOSE YOUR STRATEGY
- Debt Snowball: Pay off your smallest balance first. Build momentum. Feel wins compound.
- Debt Avalanche: Attack the highest-interest debt first. Pay less interest overall.
- Compare both side-by-side: see which strategy saves more in interest and time.
- Switch strategies anytime without losing your data.

UNDERSTAND WHERE EVERY DOLLAR GOES
- See every balance you owe - credit cards, auto loans, personal debts, and more
- Track monthly interest charges and total interest cost per debt
- Watch your principal balance shrink with every repayment
- Know how your income and expenses affect your debt payoff pace
- What-If Calculator: how much do you save by adding $100 or $500 per month?

WATCH YOUR PROGRESS
- Total debt countdown with a live payoff date projection
- Milestone celebrations at 25%, 50%, 75%, and the moment you reach zero
- Days-to-freedom countdown (Premium)
- Full repayment history (Premium)

AI DEBT COACH (PREMIUM)
Ask your AI coach anything about your debts, your repayment options, or your path to financial freedom.
- "Should I switch from Snowball to Avalanche?"
- "What if I repay an extra $300 this month?"
- "How do I free up income to accelerate my payoff?"
Powered by advanced AI. 30 questions per day.

ZERO PRO FEATURES
- Unlimited debts (free tier: up to 5)
- Full repayment history
- Interest vs. principal monthly breakdown
- Payoff timeline visualization
- Days-to-freedom countdown
- AI Debt Coach (30 queries/day)
- Export to CSV
- Shareable progress cards
- Custom app icons

FREE TIER INCLUDES
- Up to 5 debts tracked
- Snowball and Avalanche strategies with side-by-side comparison
- Payment logging with milestone celebrations
- Payoff date projection
- What-If Calculator

Zero Pro is available as a monthly ($4.99/month) or yearly ($39.99/year) subscription. A 50% introductory offer may be available for new subscribers.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Zero Pro - First Year Offer | $39.99 | per year |
| Zero Pro Yearly | $39.99 | per year |
| Zero Pro Monthly | $4.99 | per month |



## Version history (last 2 releases)

### 1.0.1 — 2026-07-04

Performance improvements and bug fixes.

### 1.0 — 2026-03-28

No release notes.

## More apps by Karol Jaworski

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- [REMbank - Deposit Better Sleep](https://appshunter.io/ios/app/rembank-deposit-better-sleep/id6745431668)
- [Couple Duel - Fun Task Tracker](https://appshunter.io/ios/app/couple-duel-fun-task-tracker/id6745432130)
- [Snugli - Baby Tracker & Care](https://appshunter.io/ios/app/snugli-baby-tracker-and-care/id6747285231)
- [TellieTales: Bedtime Stories](https://appshunter.io/ios/app/tellietales-bedtime-stories/id6747285384)

All apps by Karol Jaworski: https://appshunter.io/developer/1799974477

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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 2026-08-16.*