Debt Fix vs Zero

Debt Fix is the debt payoff planner that shows you exactly when you'll be debt-free. Pay off credit cards, student loans, auto loans, medical bills, and personal loans faster with the snowball method, the avalanche method, or either one tuned with your own extra payments. No account. No bank connection. Start in seconds. CHOOSE YOUR STRATEGY • Avalanche: pay the least interest by attacking your highest rates first • Snowball: build momentum by knocking out your smallest balances first • Side-by-side comparison shows the interest saved and the time difference at a glance STAY ON TRACK EVERY MONTH • A monthly checklist tells you exactly what to pay and where • Total balance, payoff date, and progress on one dashboard • Categories for credit card, student loan, auto, medical, personal, and mortgage debt • 0% APR promotional periods, so interest-free balances calculate correctly • Add a lump sum any month, or a recurring extra payment every month SEE YOUR PROGRESS • Charts that update the moment you log a payment • A full amortization schedule for every debt • Savings report shows interest saved and months cut from your payoff date • Export your payoff schedule to PDF or CSV ON YOUR HOME SCREEN • Home Screen and Lock Screen widgets keep your payoff date one glance away • Reminders so you never miss a due date • Built for iPhone and iPad, with full Dark Mode support YOUR DEBT DATA STAYS YOURS • Works fully offline. Your debt details live on your device. • iCloud sync keeps your iPhone and iPad in step through your own private iCloud account • No account or signup required to use the app • Your debts and balances are never sold or shared DEBT FIX PREMIUM Supported by ads. Premium unlocks unlimited debts, full PDF and CSV exports, every theme color, and an ad-free experience. One purchase, lifetime access. No subscriptions. Not ready to buy? You can still unlock a single export by watching a short video. Your money should work for you, not your lenders. Download Debt Fix and start your payoff plan today.

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