ZeroOut Debt Planner vs Paycheck Debt Planner

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.

Payday shouldn't start with a spreadsheet. Enter your paycheck and your due dates, and Paycheck Debt Planner tells you exactly what to do this cycle: which bills are due, which debt gets the next attack, and how much cushion you'll have left. Then it turns the long grind to debt-free into something you can actually feel — streaks, milestones, and a history of every cycle you stayed on plan. Curious before you commit? Tap "Try with Sample Data" to explore a fully populated plan instantly — no accounts, no bank connections, no sign-up. **TRACK YOUR JOURNEY** Paying off debt is a marathon — this makes the progress visible every single paycheck: - **Milestones & Celebrations** — Cross 25%, 50%, 75%, or fully clear a debt and the app celebrates the moment. Free for everyone. - **On-Plan Streaks** — Stay on plan and your streak grows, cycle after cycle — the small win that keeps the big goal moving. Free. - **Pay Cycle History** *(Premium)* — Look back at your recent finished cycles and how far you've come. --- **WHAT YOU GET, FREE** - **Payday Autopilot** — On payday, confirm your whole plan — required bills, minimums, and extras — in one tap, or adjust any item. Bills on autopay handle themselves. Zero bookkeeping. - **Interest Saved** — See how much interest your extra payments save, and how much sooner you're debt-free, vs. paying minimums only. - **Paycheck Plan** — Required payments and recommended actions the moment your paycheck lands — what you must pay vs. what you should. - **Debt Payoff Engine** — Snowball or avalanche, your choice. Tracks your focus debt, projects your payoff date, and puts the extra to work. - **Timeline View** — Your full pay cycle with a running safe-cash balance, so you always see where the money goes. - **Goals** — Emergency fund and savings funded before snowball, so your safety net builds while debt shrinks. - **Swipe-to-Pay** — Mark anything paid with one swipe; swipe back to undo. - **App Lock** — Face ID, Touch ID, or passcode. Off by default, on whenever you want it. - **Local Reminders** — A paycheck-eve nudge and a heads-up before your earliest unpaid bill. Opt-in and quiet. Also free: autopay flags, Auto/Light/Dark themes, undo-on-delete, and full backup + CSV import. **PREMIUM — SMART FORECASTING** Free gets you a complete, accurate plan. Premium gets you a plan that thinks ahead: - **Smart Insights** — Adaptive recommendations based on your actual cash pressure, cushion, and payoff pace, every cycle. - **Strategy Comparison** — Snowball vs. avalanche, side-by-side, using your real balances and APRs — not a generic rule of thumb. - **What-If Simulation** — Model an extra monthly payment before committing. See the new debt-free date and exact interest saved. - **3-Month Forecast** — Projected cushion, debt balance, and risk level three cycles out. Spot pressure before it's a missed payment. - **Amortization Schedule** — A month-by-month payoff schedule for your focus debt: interest, principal, and balance to $0. - **Pay Cycle History** — Look back at your recent finished cycles, so progress is never out of sight. **Subscription Details** Premium Monthly is an auto-renewing subscription billed at $4.99/month through your Apple ID account. It renews automatically for the same price and duration unless cancelled at least 24 hours before the period ends. Manage or cancel anytime in Settings > [your name] > Subscriptions. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ · Privacy Policy: https://jsnyde03.github.io/debt-planner-site/privacy.html **BUILT FOR PRIVACY** Everything stays on your device — no accounts, no cloud, no bank connections, no trackers. App Lock uses Apple's on-device Face ID/Touch ID — your biometric data never reaches us. Weekly, bi-weekly, semi-monthly, and monthly pay schedules all supported. *Paycheck Debt Planner provides budgeting and organizational tools only and does not provide financial advice.*