UnchainedMoney vs ZeroOut Debt Planner

Unchained Money is India's first personalized debt resolution planner. Enter your income, expenses, and loans. Get a personalized month-by-month roadmap showing exactly when you'll be debt-free. FEATURES: - Financial Health Score - Know your current situation instantly - Debt Roadmap - Precise payoff timeline for every loan - Smart Prioritization - Attacks high-interest debt first (Avalanche method) - Floating-Rate Updates - Bank revised your interest rate? Update it and your roadmap adjusts instantly - Emergency Fund Calculation - Safety net built while you repay - Edit Past Months - Paid differently than planned? Correct any past month and your timeline redraws from there - Snowball Effect Visualization - Watch freed-up EMIs accelerate your payoff - Zero Data Sharing - All data stays on your device. Bank-grade encryption. FOR WHO: Perfect for anyone with multiple loans feeling trapped: - Credit card debt - Personal loans - Education loans - Gold loans - Loan against property NO SIGN-UP. NO ADS. NO DATA SHARING. All calculations use standard debt repayment methods (Snowball & Avalanche) taught in financial literacy courses. This is an educational planning tool, not licensed financial advice. A legal disclaimer is included in the app.

ZeroOut helps you build a clear, step-by-step plan to pay off your debt. Enter your debts, choose a strategy, and see exactly when you'll be debt-free. HOW IT WORKS Add your debts with balances, interest rates, and minimum payments. ZeroOut calculates your optimal payoff order using either the Snowball method (smallest balance first) or Avalanche method (highest interest first). Track each payment and watch your balances drop to zero. FEATURES - Snowball & Avalanche strategies with side-by-side comparison - Month-by-month payment schedule showing every debt - Track payments and mark debts as paid off - PDF Roadmap export to save or share your plan - Income & bills tracker to find extra money for debt - Visual progress dashboard with debt-free date countdown PRIVACY FIRST ZeroOut collects zero data. No accounts, no analytics, no third-party SDKs. All your financial information stays on your device using Apple's SwiftData. We can't see it, and neither can anyone else. COMPLETELY FREE No ads. No in-app purchases. No subscriptions. No paywalls. ZeroOut is and will always be 100% free.