ZeroOut Debt Planner vs DebtDate

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.

How soon could you be debt-free? Add your debts and find out in 30 seconds. DebtDate shows you the exact month you'll pay off every credit card, loan, and bill — and how much sooner it happens when you pay a little extra. No signup. No bank login. No subscription. YOUR DEBT-FREE DATE Enter each debt's balance, interest rate, and minimum payment. DebtDate instantly calculates when you'll be done — one big date, front and center. That date is your goal, and everything in the app is built to move it closer. SNOWBALL VS AVALANCHE Compare the two most popular payoff methods side by side: - Snowball — smallest balance first, for quick wins and motivation - Avalanche — highest interest first, for maximum savings See exactly how much interest each method costs you and pick the one that fits how you stay motivated. THE EXTRA PAYMENT SLIDER Drag the slider and watch your debt-free date move. See in real time what an extra $50, $100, or $200 a month actually does — months or years off your timeline, and the interest savings in dollars. TRACK YOUR PROGRESS - Log payments as you make them — your plan recalculates from your real balances - Watch every balance fall on the payoff timeline chart - See per-debt payoff dates, total paid down, and percent complete - Payment history for every debt PRIVATE BY DESIGN Your debt data never leaves your phone. No account, no email, no bank connection. Delete the app and the data is gone. Debt is personal — your plan should be too. SIMPLE, HONEST PRICING DebtDate is free to use. One optional one-time upgrade unlocks unlimited debts, removes ads, and adds export — no subscription, ever. We think a debt payoff app charging you monthly is a bit backwards. WHO IT'S FOR Anyone juggling credit cards, car loans, student loans, or medical bills who wants a clear answer to one question: when will this be over? Whether you follow the snowball method, the avalanche method, or just want to see the finish line — your date is waiting. Add your debts. See your date. Make it sooner. Payoff dates and interest totals are estimates based on the information you enter — not financial advice.