# Zero Club: Debt Payoff — Get to $0. Together.

> Get to $0. Together. (iPhone/iPad app by BRETT MICHAEL KREIDER.)

- Source: https://appshunter.io/ios/app/zero-club-debt-payoff/id6817995009 (this page in markdown: same URL + `.md`)
- Developer: [BRETT MICHAEL KREIDER](https://appshunter.io/developer/6817995011)
- Category: Finance, Social Networking
- Price: Free
- Age rating: 12+
- Requires: iOS 15.6 · 4 MB
- Languages: American English
- Released: 2026-10-15
- Data updated: 2026-10-17

## What is Zero Club?

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.

## Is Zero Club safe?

Not enough ratings yet to assess Zero Club.

## Is Zero Club legit?

Zero Club: Debt Payoff has limited verification signals. The AppsHunter Legitimacy Score for Zero Club is 50 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 1 release)

### 1.0 — 2026-10-15

No release notes.

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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 2026-10-17.*