Debt Payoff Tracker vs Debt Payoff Planner

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/

DebtLog helps you pay off multiple debts: it plans your payoff order, shows your debt-free date and lets you log every payment along the way. [All your debts in one place] Add as many credit cards, loans, car loans, student loans or medical bills as you need. Edit balances, APR, minimum payments and due dates anytime. [Payoff order and debt-free date] Enter your monthly budget and choose snowball (smallest balance first), avalanche (highest APR first) or your own order. DebtLog builds the plan, shows your debt-free date and total interest, and rolls freed-up payments into the next debt automatically. [Just log your payments] Record payments, extra payments and new charges. Balances and your debt-free date update instantly, and past entries can be edited or deleted. A reminder on each due date lets you log the payment in one tap. [See your progress] A balance chart, percent paid off, interest paid this year and a list of debts you have cleared keep you motivated. [No account. Data stays on your phone] No sign-up and no bank connection. Your data is stored on your device. Move it to a new phone with a backup file and export CSV anytime. [Premium] Save and compare multiple payoff plans, simulate a windfall payment, set 0% promo periods and deferment, PDF reports, and no ads. Results are planning estimates, not financial advice. Check your lender's statements for exact amounts. Terms of Use (EULA): https://show-ec09e.web.app/terms.html Privacy Policy: https://show-ec09e.web.app/privacy.html