Best apps like Zero: Debt Payoff Planner

10+ similar apps compared and reviewed

3.9 avg rating
10 free apps
Updated September 2026

Looking for something like Zero? We've analyzed 10+ similar apps to help you find the best alternative. Each app is compared by ratings, features, and real user reviews, so you can make the right choice.

Top Alternatives to Zero

Debt Tracker – IOU & Loans#3

Debt Tracker – IOU & Loans by Akylbek Utekeshev

Track money you owe or lend
Worth Considering
💰 Finance
3.0(1 ratings)
FreeIn-App Purchases
Debt Tracker – IOU & Loans screenshot 1
Debt Tracker – IOU & Loans screenshot 2
Debt Tracker – IOU & Loans screenshot 3
Debt Tracker – IOU & Loans screenshot 4
Debt Tracker – IOU & Loans screenshot 5

Easily track money lent to friends or borrowed from family. Record payments, set reminders, and manage all your personal loans and IOUs in one private place. Focuses solely on interpersonal debt, not general expenses.

More apps like Zero

4
Debt Fix
Debt Fix
Debt Fix
Debt Payoff Planner & Tracker
Free

Easily track your debts and create a personalized payoff plan. Get a clear financial breakdown, analyze your progress with a report page, and utilize an amortized schedule to see all your payments. Start your journey to financial freedom.

Debt trackingFinancial breakdownPayoff plan development
💰 Finance
(11)
free with in-app purchases
5
Debt Payoff Tracker & Planner
Debt Payoff Tracker & Planner
Debt Payoff Tracker & Planner
Snowball/Avalanche Calculator
Free

This app helps you manage and pay off your debts faster using proven strategies. Track all your debts, visualize your progress, and receive payment reminders to achieve financial freedom.

Four payoff strategies (Snowball, Avalanche, Credit Score Focus, Custom)Real-time debt-free date calculatorWhat-if calculator for extra payments
💰 Finance
(8)
free with in-app purchases
6
Debt Payoff Planner: Tracker
Debt Payoff Planner: Tracker
Debt Payoff Planner: Tracker
Snowball & Loan Calculator
Free

Create a personalized plan to become debt-free by tracking loans, credit cards, and mortgages. Compare payoff strategies, log payments, and visualize your progress towards financial freedom.

Personalized debt payoff plansTrack loans, credit cards, and mortgagesCompare Snowball, Avalanche, and Cash Flow strategies
💰 Finance
(0)
freemium
7
Billsy - Subscription Tracker
Billsy - Subscription Tracker
Billsy - Subscription Tracker
Bill calendar and reminder
Free

Effortlessly manage personal and business finances with a unified dashboard, bill calendar, and automatic reminders. Track subscriptions, gain insights into spending, and avoid financial pitfalls with over 200 pre-filled templates.

Unified financial dashboard200+ pre-filled expense templatesComprehensive bill calendar
💰 Finance
(24)
free with in-app purchases
8
TinyDebt: Debt Payoff Planner
TinyDebt: Debt Payoff Planner
TinyDebt: Debt Payoff Planner
Snowball Method & Loan Tracker
Free

Organize credit card debt, personal loans, and mortgages in one place. Choose between the Debt Snowball or Debt Avalanche method to create a clear path to financial freedom. Track your progress and get smart notifications to stay on top of payments.

Track multiple debt typesDebt payoff method selectionProgress visualization
💰 Finance
(2)
free with in-app purchases
9
Debt Free –Pay Off Debt Faster
Debt Free –Pay Off Debt Faster
Debt Free –Pay Off Debt Faster
Debt Snowball & Payoff Tracker
Free
$0.99 | 100% OFF

This app helps you organize, monitor, and pay off your debts using the debt snowball method. Analyze repayment models to predict your debt-free date and save time and money. Includes built-in calculators for monthly payments, loans, and mortgages.

Debt organization and monitoringDebt snowball payoff methodDebt repayment modeling
💰 Finance
(997)
free with in-app purchases
10
Owl Debt Focus
Owl Debt Focus
Owl Debt Focus
Debt Payoff, Budget Planner
Free

Plan debt payments around your paychecks with a calm, focused approach. Track due dates, manage payments, and get structured check-ins to stay on top of your financial goals. Offers optional iCloud sync and screenshot scanning for easier data entry.

Plan debt around each paycheckTrack overdue and upcoming paymentsGenerate structured check-ins
💰 Finance
(0)
free with in-app purchases