ZeroOut Debt Planner vs KaiJar

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.

Everything a $100-a-year budget app does with your bank data — done from your statements, on your phone, free. KaiJar never asks for your bank login. Import a PDF or CSV statement from any bank, review every transaction before it lands, and KaiJar learns your merchants so the next import files itself. BUDGET LIKE THE BIG APPS • Give every dollar a job, and see what's left to spend at a glance • Unspent money rolls into next month — a quiet month builds a buffer • Overspending carries forward honestly, never swept under the rug • Split one receipt across categories: one Costco run, three budgets SEE WHERE IT ALL GOES • The Money Map shows your whole month in one picture • Net worth, tracked over time from balances you enter • A debt payoff planner that shows what paying $50 extra actually saves • Savings goals with real funded-by dates SHARE WITH YOUR HOUSEHOLD • One budget between two phones, no per-seat pricing • Recurring bills post themselves and remind you the day before PRIVATE BY DESIGN • Your data stays on your device unless you turn on the optional account • No ads, no analytics, no trackers — the privacy label speaks for itself • Back up everything to a file you own, restore it anywhere No subscriptions. No bank linking. No catch.