Debt Payoff Tracker vs Debt Snowball Payoff Tracker

Zero - Know Your Debt-Free Date. Zero is the debt payoff app built around one number that actually matters: the day you make your last payment. Every balance, every repayment, every interest charge - tracked with precision so you can see exactly where every dollar goes and exactly how fast you can reach freedom. CHOOSE YOUR STRATEGY - Debt Snowball: Pay off your smallest balance first. Build momentum. Feel wins compound. - Debt Avalanche: Attack the highest-interest debt first. Pay less interest overall. - Compare both side-by-side: see which strategy saves more in interest and time. - Switch strategies anytime without losing your data. UNDERSTAND WHERE EVERY DOLLAR GOES - See every balance you owe - credit cards, auto loans, personal debts, and more - Track monthly interest charges and total interest cost per debt - Watch your principal balance shrink with every repayment - Know how your income and expenses affect your debt payoff pace - What-If Calculator: how much do you save by adding $100 or $500 per month? WATCH YOUR PROGRESS - Total debt countdown with a live payoff date projection - Milestone celebrations at 25%, 50%, 75%, and the moment you reach zero - Days-to-freedom countdown (Premium) - Full repayment history (Premium) AI DEBT COACH (PREMIUM) Ask your AI coach anything about your debts, your repayment options, or your path to financial freedom. - "Should I switch from Snowball to Avalanche?" - "What if I repay an extra $300 this month?" - "How do I free up income to accelerate my payoff?" Powered by advanced AI. 30 questions per day. ZERO PRO FEATURES - Unlimited debts (free tier: up to 5) - Full repayment history - Interest vs. principal monthly breakdown - Payoff timeline visualization - Days-to-freedom countdown - AI Debt Coach (30 queries/day) - Export to CSV - Shareable progress cards - Custom app icons FREE TIER INCLUDES - Up to 5 debts tracked - Snowball and Avalanche strategies with side-by-side comparison - Payment logging with milestone celebrations - Payoff date projection - What-If Calculator Zero Pro is available as a monthly ($4.99/month) or yearly ($39.99/year) subscription. A 50% introductory offer may be available for new subscribers. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Pay off debt faster and know the exact day you'll be debt-free. Debt Payoff Planner turns every loan and credit card into one clear, month-by-month payoff plan — so you finally see the finish line instead of guessing. Most debt apps just track balances. This one actually builds the plan: it orders your debts into the smartest sequence, rolls each cleared minimum into the next balance, and shows how a few extra dollars a month erase months of payments and hundreds in interest. Snowball for momentum, avalanche for savings — compare both side by side in seconds. WHAT YOU GET - A full month-by-month payoff schedule with your exact debt-free date - Snowball method that crushes the smallest balance first for fast, motivating wins - Avalanche method that targets the highest interest rate to save the most money - An instant compare showing how much interest each method saves you - A what-if slider that models extra payments and re-draws your finish line live - Monthly payment reminders so you never miss a due date — fully offline PERFECT FOR - Anyone juggling multiple credit cards or loans at once - Students and grads tackling student-loan balances - Couples building a shared plan to become debt-free - People who tried budgeting apps but never saw a real payoff date WHY NOT JUST USE A SPREADSHEET Spreadsheets don't roll freed-up minimums into the next debt, re-order by method, or update your debt-free date the moment you add an extra payment. Debt Payoff Planner does all of it automatically, with plain-English guidance drawn from U.S. CFPB and Federal Reserve consumer-credit resources. PRIVACY Every number stays on your device. No bank logins, no accounts, no ads, no tracking — ever. FULL ACCESS The app is free to add your debts and see your first plan. Premium unlocks the complete experience — the avalanche method, interest-saved compare, the full month-by-month schedule, and what-if extra-payment modeling — through one of these options: - Weekly subscription - Yearly subscription - Lifetime one-time purchase Subscriptions renew automatically unless canceled at least 24 hours before the period ends; manage or cancel anytime in your App Store account settings. The lifetime option is a single purchase with no renewal. Add your first debt today and see exactly when you'll be free. Terms of Use (EULA): https://web-levi.web.app/terms Privacy Policy: https://web-levi.web.app/privacy-policy Questions? Contact tphuc.work@gmail.com