Zeroed: Debt Payoff Planner

Zeroed turns your balances, interest rates and monthly budget into a clear debt payoff plan. Compare strategies, simulate extra payments, and see how today's choices are estimated to change your debt-free date — before you make them. KNOW WHAT TO PAY, AND WHY Your plan suggests a next move for this month — which debt, how much, and why — so you're not guessing whether to pay down the card or the loan first. SEE YOUR DEBT-FREE DATE A month-by-month estimate shows your balance shrinking to zero, with every milestone — each debt cleared, each payment released — along the way. ASK "WHAT IF?" What if I paid £100 more a month? What if I put a £1,000 windfall toward my debt? What monthly budget could clear everything by a date I choose? What would a new £4,000 loan actually cost me in interest? Every scenario estimates the effect on payoff time and interest before you act. FIND YOUR PERFECT STRATEGY Slide between saving the most interest and clearing debts the fastest, and watch your plan recalculate live. Or choose from five named strategies: Cheapest, Quick Wins, Fastest Closures, Cash Flow, or Balanced. PROTECT YOUR 0% OFFERS Zeroed watches promotional rates and estimates whether your current plan clears a balance before its standard rate returns — plus the monthly payment needed to meet that date. PRIVATE BY DESIGN No bank login. No account required. Your financial information stays on your device — never uploaded, never sold, never seen by anyone but you. Zeroed provides planning tools and estimates based on the numbers you enter. It isn't a bank, and it doesn't offer regulated financial advice.