# Zero: Debt Payoff Planner — Debt snowball & payoff plan

> Debt snowball & payoff plan (iPhone/iPad app by APPCITY Limited Liability Company.)

- Source: https://appshunter.io/ios/app/zero-debt-payoff-planner/id6781073044 (this page in markdown: same URL + `.md`)
- Developer: [APPCITY Limited Liability Company](https://appshunter.io/developer/1534242389)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 17.0 · 2 MB
- Languages: American English, French (France), German (Germany), European Spanish
- Released: 2026-06-25
- Data updated: 2026-09-01
- User reviews in markdown: https://appshunter.io/ios/app/zero-debt-payoff-planner/id6781073044/reviews.md

## What is Zero?

Zero helps you pay off debt - one number, one step at a time.

No spreadsheets. No stress. Just a calm, clear plan to get to zero.

See everything you owe as a single number, with your real debt-free date. Then pick a proven payoff method and watch that date get closer every time you make a payment.

WHY ZERO
• One clear number - all your debts add up to a single balance and a real payoff date.
• A plan that works - choose Fast Wins (debt snowball) for momentum, or Less Interest (debt avalanche) to save the most money.
• Never miss a payment - gentle reminders before each due date, then one tap to mark it paid.
• Stay motivated - a progress ring, payment streaks, and milestone celebrations keep you going.
• See "what if" - move one slider to see how paying a little extra each month brings your debt-free date sooner.

BUILT FOR REAL LIFE
Student loans, credit cards, a car loan, or medical bills — Zero keeps it simple. Add what you owe in three quick fields and you're set.

PRIVATE BY DESIGN
Your numbers stay on your device. No bank logins, no accounts, no servers.

FREE TO GET DEBT-FREE
The core tools - tracking, reminders, and the snowball & avalanche plans — are free forever. Zero Plus is an optional one-time unlock for unlimited debts, home-screen widgets, custom reminders, and unlimited what-if calculations.

Start today. Get to zero.

Terms of Use (EULA): https://appcitystudios.com/eula
Privacy Policy: https://appcitystudios.com/privacy-policy

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Zero Plus | $14.99 | one-time |
| Small Tip | $2.99 | one-time |
| Medium Tip | $4.99 | one-time |
| Large Tip | $9.99 | one-time |



## Version history (last 4 releases)

### 1.3 — 2026-08-22

Bug fixes and improvements.

- A late payment now reads "overdue" on Home instead of quietly rolling into next month.
- Reminders stay off when you switch them off.
- When minimum payments can't clear a debt, Zero says so instead of showing a payoff date a century away.
- Amounts appear in your device's currency rather than always in dollars.
- Debts can be deleted, and there are two new types: Business and Other.

### 1.2 — 2026-08-14

A new first run, your own currency, and a way to delete a debt.

- Setup now takes about a minute and ends on the day you'll be
  debt-free. One balance is enough to start - the name, rate, minimum
  and due day all begin with defaults you can change later.

- Amounts now appear in your iPhone's currency, written the way your
  region writes it, instead of always dollars. Nothing is converted.

- Debts can be deleted at last. Open one and tap Edit, or press and
  hold it in All debts. Zero asks first.

- Two more debt types: Business and Other.

- Fixed: the notification permission alert could appear over the setup
  celebration instead of the screen that asked for it.

No account, no bank login, everything stays on your phone.

### 1.1 — 2026-08-11

Zero Plus now comes as a monthly or yearly plan, alongside the one-time lifetime unlock. Pick whichever suits you.

Already bought Zero Plus? Nothing changes. You keep every feature, for good, at no extra cost.

Also in this update:

- Fixed French, German and Spanish throughout the app. Parts of the Zero Plus screen were still showing in English, and no longer do.
- Sharing a paid-off debt now includes a link, so whoever you send it to can find the app.
- Smaller fixes and polish.

### 1.0 — 2026-06-25

No release notes.

## Apps similar to Zero

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Debt Payoff Planner: Tracker](https://appshunter.io/ios/app/debt-payoff-planner-tracker/id6744280524) | — | Free | Finance |
| [Budget & Expense Track - Stack](https://appshunter.io/ios/app/budget-and-expense-track-stack/id6756195774) | — | Free | Finance |
| [Debt Payoff: Snowball Plan](https://appshunter.io/ios/app/debt-payoff-snowball-plan/id6770477558) | — | Free | Finance |
| [Debt Tracker – IOU & Loans](https://appshunter.io/ios/app/debt-tracker-iou-and-loans/id6756559063) | 3.0 (1) | Free | Finance |
| [Debt Fix](https://appshunter.io/ios/app/debt-fix/id1638594024) | 4.0 (11) | Free | Finance |
| [Debt Payoff Tracker & Planner](https://appshunter.io/ios/app/debt-payoff-tracker-and-planner/id6757639474) | 4.9 (8) | Free | Finance |

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All apps by APPCITY Limited Liability Company: https://appshunter.io/developer/1534242389

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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 2026-09-01.*