ZeroOut Debt Planner vs Kronos

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.

Kronos brings gig-income tracking, 1099 organization, mileage and receipt records, payment requests, transfer status, and supported wallet activity into one focused iPhone app for freelancers and independent workers. TRACK IRREGULAR INCOME Review gig income and transaction history, organize expenses, mileage and receipts, and keep 1099 and proof-of-income records together. Use tax set-aside tools to plan around variable income. REQUEST AND FOLLOW PAYMENTS Create payment requests, review details before confirming, and follow supported transfer status from pending through completion. Availability and timing vary by account, provider, and rail. USE SUPPORTED MONEY TOOLS View account details and use supported money movement where available. Eligible accounts may display their current variable APY. Rates may change; eligibility and availability apply. App Store membership does not unlock or increase any financial rate. SUPPORTED CRYPTO ACTIVITY Eligible verified users in supported regions can view market data and buy, sell, convert, send, or receive supported digital assets. Availability, custody, processing, fees, settlement, networks, assets, and geography vary. BUILT FOR INDEPENDENT WORK • Gig-income and transaction records • Expense, mileage and receipt organization • 1099 and tax set-aside tools • Proof-of-income information • Payment requests and transfer tracking • Supported crypto wallet and market activity • Biometric unlock, two-factor authentication, device checks, and fraud monitoring • Support routing with transaction context CARD ACCESS IS A PREVIEW Kronos may show launch information for eligible card features. Card access is not yet live. OPTIONAL DIGITAL MEMBERSHIP Kronos Pro and Kronos Black App Store purchases unlock digital software inside the iOS app, including enhanced dashboards, reports, organization tools, creator workflows, and in-app support routing. App Store purchases do not include financial, physical, partner, or real-world benefits. Subscribe through Apple In-App Purchase. Restore Purchases is available from the subscription and settings flow. Manage or cancel subscriptions from your Apple ID subscription settings. KronosPay LLC is a financial technology company, not a bank or lender. Regulated financial services are provided by disclosed third parties where available. Eligibility, custody, timing, fees, protections, and geography vary by service. Download Kronos to bring clearer records and money workflows to independent work. TERMS OF USE Apple Standard EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/