ZeroOut Debt Planner vs Debt

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.

Debt-Free is a manual, on-device payoff planner that helps you estimate a path out of debt without connecting to a bank. Add balances, APRs, minimum payments, and optional monthly due days; compare avalanche and snowball strategies; explore extra-payment scenarios; and review estimated payoff dates and interest. Recorded payments immediately reduce the tracked balance once and preserve payment history. Reconcile the result against lender statements because fees, interest, allocation, and posting can differ. Avalanche and Snowball visibly reorder debts into strategy priority. Table headers also support manual sorting by balance, APR, payment, and next due date; My Order restores your saved custom order. Optional due days are planning context only, with short months safely using the final valid day. User-confirmed progress can earn optional milestone cards for percentage milestones, debts paid off, and full completion. Choose a tone, edit the caption, control optional disclosures, preview the exact card, and open Apple’s share sheet only when you decide. Nothing posts automatically. Cards hide lender, debt name, account information, current balance, identity, and exact payoff date by default. Amount paid down is off by default. The free app supports up to two debts, avalanche calculation, recurring extra-payment exploration, per-debt timelines, progress tracking and milestone sharing, a Home Screen widget, and portable JSON backup/restore. Optional Lifetime Access is a $4.99 one-time non-consumable purchase—not a subscription—that unlocks unlimited debts, snowball comparison, scheduled and one-time scenarios, debt targeting, detailed monthly schedules, reminders, and plan export. Restore Purchases is available. All results are estimates based on manually entered values, not financial advice or guarantees. Debt-Free does not connect to banks, verify lender balances, make payments, or guarantee savings or payoff outcomes.