Clear Balance vs Zero Debt

Clear Balance is a privacy-first debt tracker and payoff planner designed for UK residents. Organise everything in one place, record your progress and explore different repayment approaches without connecting your bank account. Whether you are managing credit cards, loans or other personal debts, Clear Balance helps you see where things stand and consider what your repayment journey could look like. Plan Around Your Priorities: Compare three repayment approaches: • Snowball - prioritise the debt with the smallest balance • Avalanche - prioritise the debt with the highest interest rate • Balanced - weighs balances and interest rates Review how each approach may affect your estimated debt-free date and potential interest costs. Clear Balance provides useful projections based on the information you enter, helping you compare your options without presenting one approach as right for everyone. Track Your Debts and Payments: Keep your balances and repayment activity organised in one straightforward place. • Add and manage multiple debts • Record regular and additional payments • Monitor remaining balances • Track progress and achievements • View an estimated debt-free date • Review potential interest savings Your plan updates as you record payments, giving you a more current view of your progress. Explore Extra Payment Scenarios: See how additional payments could change your estimated repayment schedule. Test different amounts before making any decisions and compare the possible effect on your payoff date and interest costs. All projections are estimates and may differ from actual lender calculations. Build a Simple Budget: Create a clear overview of your monthly income and spending. The built-in budget helps you understand what may be available after essential expenses, so you can consider repayment amounts that fit your circumstances. Private by Design: Clear Balance does not require a bank connection. You enter and manage your information manually, giving you control over the financial details you choose to add. There is no need to share online banking credentials or give the app access to your bank transactions. Plain-English UK Guidance: Access straightforward information created with UK users in mind. Learn more about common debt terminology, repayment approaches and places to look for further support without unnecessary jargon. Clear Balance Can Help You: • Organise debts in one place • Keep a record of payments • Compare Snowball, Avalanche and Balanced plans • Explore estimated payoff dates • Test the possible effect of extra payments • Create a simple monthly budget • Access practical UK debt information • Plan without linking a bank account Start organising your debts and exploring repayment options at your own pace. Some planning features, including debt-free date projections, estimated savings, strategy comparisons and extra-payment scenarios, require Clear Balance Premium through an auto-renewable subscription. Subscription details and pricing are shown before purchase. Download Clear Balance: Create a private plan based on the information you choose to enter. Important: Clear Balance is an organisational and educational tool. It does not provide financial, debt or other regulated advice. Dates, interest costs and potential savings are estimates based on the information entered and the assumptions used. Actual results may vary. If you need advice tailored to your circumstances, consider contacting an appropriately authorised adviser or a recognised UK debt-support organisation. Clear Balance Premium is available as an auto-renewable subscription. Subscription details and pricing are shown before purchase. Terms of Use: Apple Standard EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Clear Balance Terms of Use: https://clearbalance.uk/terms.html Privacy Policy: https://clearbalance.uk/clear-balance-privacy.html

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. 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, a ready-made reminder for people who owe you 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 and six app icons. Monthly and yearly subscriptions are available, along with a one-time lifetime purchase. 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