DebtDown vs Zero

Debtdown gives you a clear, actionable plan to pay off every debt you owe — credit cards, car loans, personal loans, and more. Add your debts, choose a payoff strategy, and Debtdown calculates exactly how long it will take and how much interest you'll pay. Watch your debt-free date get closer every time you make a payment. FEATURES - Snowball & Avalanche payoff strategies - See your exact debt-free date - Track interest costs across all debts - Balance, interest, and timeline charts - Payment reminders - Home screen widget - iCloud sync across your devices - Amortization schedules DEBTDOWN PRO (one-time purchase) - Unlimited debts - 5 additional payoff strategies - PDF export & shareable payoff cards - CSV import - Refinance simulator - Debt payoff challenges - Custom currency No subscription. No ads. Pay once, own it forever.

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 an estimated debt-free date based on your balances, rates and payments. 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 an estimated payoff date. • A plan that works - choose Fast Wins (debt snowball) for momentum, or Less Interest (debt avalanche) to save the most money. • Keep payments in focus - reminders before each due date and simple tools to record payments or update balances. • Stay motivated - meaningful milestones and payoff celebrations recognize your progress. • 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 debt balances and payment records stay on your device. No bank logins or account required. Core features work offline. Optional Meta install and app-open measurement requires iOS tracking permission and can be revoked in iOS Settings. Private app records and purchase events are not sent through this integration. FREE TO GET DEBT-FREE The core tools - tracking, reminders, and the snowball & avalanche plans - are free forever. Zero Plus offers optional monthly and yearly subscriptions 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