Debt Zero: Payoff Planner

Debt Zero: Payoff Planner

Snowball Calculator & Tracker

14 ratings
8 reviews
$2.99 Free
In-App Purchases

Price history


Details

  • Released
  • Updated
  • September 16, 2020
  • May 27, 2026
Debt Zero: Payoff Planner screenshot #1 for iPhone
Debt Zero: Payoff Planner screenshot #2 for iPhone
Debt Zero: Payoff Planner screenshot #3 for iPhone
Debt Zero: Payoff Planner screenshot #4 for iPhone
Debt Zero: Payoff Planner screenshot #5 for iPhone
Debt Zero: Payoff Planner screenshot #6 for iPhone
Debt Zero: Payoff Planner screenshot #7 for iPhone
Debt Zero: Payoff Planner screenshot #8 for iPhone
iphone
ipad
🖼️Get Icon
Icons↘︎

About

This app helps you manage and pay off your debts using popular methods like snowball or avalanche. Plan your payments, track progress with timelines, and visualize savings. Personalize your experience and stay motivated with widgets.

Debt payoff planning
Snowball and avalanche methods
Payment calendar
Progress tracking
Savings estimates
Customization options
Home screen widgets
Show original description

What's New in Debt Zero

9.0.2

May 27, 2026

We've added sharable Journey Milestones, new charts, payment notifications and more!

Subscription plans

Enable All Features

Provides access to all in app features

$1.991 Month
How to cancel Debt Zero subscription ⁉️
2

In-App Purchases

$39.99

Enable All Features

Provides access to all in app features

User reviews

Sincere review

This is probably the first sincere review that I have ever done. Because I am usually just putting five stars and not leaving a review. But I think that you should get this app because you can have a widget on your Home Screen that will show you how far you have come in paying off your debts. And you can change the color of the icon on a whim. Let’s say you are rooting for the Chicago Blackhawks. You can change it to black and red.
Show more

Response from developer

Thank you so much for your kind review! Best wishes on your debt free journey!

It's looks nice but

Needs to add a line towards debt. Currently you add your minimum amounts. Now it needs to be able to add line for extra payments after each debt is paid you can snowball that amount to next debt. I like the be able to list everything but I'm not seeing anything about actually paying anything down. There should be paid off button or something.
Show more

Response from developer

Thank you for the feedback! Currently once a debt is showing a zero balance, it will automatically roll over into the next account based on priority (snowball or avalanche). You can also view these additional payments in the calendar view. Again, thank you for taking the time to leave a review!

Really great

I really love this simple app! It’s so close to perfect. I’d like to be able to see a summary of payments going out and where the snowball payments are going. For example I paid off a card and now need to funnel x amount to which account.
Also a total amount that’s going out would be awesome!

Response from developer

Thank you so much for your feedback and your encouraging review! We are always looking for ways to make Debt Zero as helpful as possible!

Not automatic

Amazing app but would be great if the monthly payments will auto deduct the sum of each accounts

Response from developer

Thank you for your feedback! It is much appreciated!

Simple Debt Tracker

A simple debt tracker to show where you are in the journey, although there are no bells and whistles that try and give you strategies for how to pay it off, it has a very clean and simple interface and is a once off purchase, no subscription required.

The only additional option I would like to see a choice between lowest balance first and highest interest first.
However if you just want an app that visually shows where you stand and the approximate time till everything is paid off, this is a nice looking app that does that job.
Show more

Response from developer

Thank you for taking the time to leave a review and provide your feedback!

Developer apps

FAQ

How does Debt Zero help me pay off debt?

Debt Zero allows you to input all your debts and choose between the snowball or avalanche payoff methods. It then helps you plan your regular and extra payments with a calendar and tracks your progress towards becoming debt-free.

What are the subscription options for Debt Zero?

Debt Zero offers subscription plans for "Enable All Features" at $1.49 per month, or $9.99 per year with either a 1-year or 14-day free trial. These subscriptions unlock all functionalities of the app.

Is my financial data secure with Debt Zero?

Yes, your data is private. Debt Zero emphasizes security by not requiring any bank connections, ensuring your sensitive financial information remains protected within the app.

What devices does Debt Zero support?

Debt Zero is available on iPhone and iPad, making it accessible for users within the Apple ecosystem.

How often is Debt Zero updated?

The app was last updated on September 15, 2025, indicating recent development and ongoing support from the developer.

What is the age rating for Debt Zero?

Debt Zero has an age rating of 4+, making it suitable for a wide range of users interested in personal finance management.

Does Debt Zero have ads?

No, Debt Zero does not contain advertisements, providing an uninterrupted user experience for managing your finances.

What is the user sentiment for Debt Zero based on ratings?

Debt Zero has an average rating of 3.9 stars from 11 ratings, suggesting generally positive user experiences with the app's features and functionality.