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 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