Zero Club: Debt Payoff

Debt is lonely. Zero Club makes it a team sport. Most money apps bury you in spreadsheets, interest tables and shame. Zero Club asks for one number — everything you owe, as a single figure — and then helps you knock it down, in public, with people who get it. NAME YOUR NUMBER Takes about ten seconds. One total. No bank connection, no account numbers, no credentials. You type it, you own it. LOG EVERY PAYMENT Every payment moves the number down and becomes a post, a badge, and something worth sending to a friend. Progress you can actually see. JOIN A CLUB Start or join a club by goal or debt type. Compare progress, not balances. Standings, chat, and shared momentum — the part that keeps you going when motivation runs out. CELEBRATE THE MILESTONES First $1,000. 10% to zero. Halfway. Every step is worth marking, and every milestone makes a share card you can post anywhere. BUILT PRIVATE BY DEFAULT Clubs compare percentages, never dollars, unless you turn that on yourself. Your balance is never posted. You are a handle first — nobody sees your real name unless you put it there. WHAT ZERO CLUB WILL NEVER DO No bank logins. No selling your data. No shaming you for the number you start with. Celebrate progress, not size. Delete your account any time from Profile — it removes everything, immediately, with no recovery window. Real people. Real progress. Every payment gets you closer.