NodeWorth vs Zero Debt

See what your money needs to cover before the next payday. NodeWorth turns the balances, bills and payment dates you enter into a personal cash-flow plan. Start with one account and add detail when it helps. • See expected closing cash on every calendar date, including days with no activity. • Compare money coming in, money going out and cash carried forward. • Schedule paydays, household bills, debt payments and everyday spending. • Spot projected payment shortfalls and review the amounts, dates and accounts involved. • Try a purchase or income change in a separate plan, then review its changes before merging into Main plan. • Keep a connected history of saved changes, including archived alternatives. • Try an earlier plan again from today while preserving current recorded balances, payments and closed-day history. • Choose light or dark appearance and protect access with optional device authentication. • Export and import a complete JSON backup of your plan and history. Your financial planner works offline. No NodeWorth account or bank login is required. NodeWorth does not fetch bank transactions or move money. Your plan is stored locally; you control the backups and copies you choose to share. Free includes all local planning, scenarios, history, themes, app lock and complete JSON backup/import, supported by advertising. NodeWorth Pro removes ads and adds CSV cash-flow reports for spreadsheets. Choose a monthly or yearly auto-renewing subscription at the price shown in the app. Manage or cancel your subscription in your Apple Account settings. Restore purchases is available in the app. Forecasts are estimates based on your entries. Scheduled activity does not mean a payment has happened. Optional interest rates are reference details; NodeWorth does not calculate interest automatically. Privacy policy: https://nodeworth.com/privacy Terms and conditions: https://nodeworth.com/terms Apple standard EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Support: https://nodeworth.com/support

Zero keeps your money and your debts, by hand. Write what you spent in one line — “coffee 4.50” — and Zero files it and counts your wallet. Type what you owe or are owed, and it plans the way to zero. WHAT IT HOLDS - Both directions of the ledger: money you owe, and money you lent out - Categories, from credit cards and loans to money owed to family - 64 currencies, each written the way that currency is written - An optional interest rate, minimum payment and due date on every debt - Every payment recorded with its date, kept as history you can scroll back through A PLAN THAT EXPLAINS ITSELF Zero doesn't just rank your debts — it tells you why. Pay by interest cost (avalanche) or smallest balance first (snowball), or drag the list into the order you want and mark what you must pay first. The plan names the one debt to attack now and the reason it's that one, then shows what this month costs and the month you finish. WHAT IT SHOWS - The month you become debt-free, and how many months away it is - Balance over time, drawn as steps, because money moved on the days it moved - How much of everything you've ever owed is now paid off - Overdue debts, and reminders three days before and on the day QUICK TO KEEP UP WITH - Swipe a debt to record a payment, edit it, or set its priority - Ask Siri: "Add a debt in Zero", "What do I owe?", "Record a payment in Zero" - Home Screen and Lock Screen widgets with your total and your next due date INTEREST SAVER (PRO) See what interest takes out of each payment, which order costs you least, and what paying a little more each month would save — worked out from your own rates. IT NEVER INVENTS A NUMBER This is the part most money apps will not do: - If your payments cannot reach zero, Zero shows no debt-free date at all, rather than one that flatters the plan. - The balance chart steps instead of curving, because a smooth line would draw money moving on days when nothing moved. - The chart scale stays pinned to your original total, so a small payment cannot be zoomed into looking like a large one. YOUR LEDGER STAYS ON YOUR PHONE Your debts, payments, notes and dates are stored on this device. With Pro, iCloud sync keeps a copy in your own iCloud, for your other devices and a new phone — Apple stores it; Zero never sees it. Export the whole ledger to CSV whenever you want your own copy, free, on any tier. Sign in with Apple is optional. It creates a free Zero account that carries your profile to a new phone and lets you invite friends. Every other part of Zero works without an account, and you can delete the account from inside the app at any time. No third-party trackers. No advertising identifier. No bank connection of any kind. To learn what works, Zero records which screens and buttons are used under a random number your phone makes for itself — never anything you wrote — and Settings › Share usage data turns it off. FREE, AND PRO Free holds up to 3 debts, with unlimited payments, the full payoff plan and your debt-free date, the charts, due-date reminders and the CSV export. Zero Pro removes the debt limit and adds the interest saver, iCloud sync, a Face ID lock, PDF reports, five color themes, six app icons and a ready-made reminder for people who owe you. Monthly and yearly subscriptions are available, along with a one-time lifetime purchase. Invite a friend and you both get a month of Pro. Zero does not lend money, refinance anything, broker loans, give financial advice, or connect to a financial institution. It is a notebook that can add up. Terms of Use: https://soso.uz/terms Privacy Policy: https://soso.uz/privacy