Auto vs Zero Debt

Have you ever experienced this trouble? Credit cards, mortgages, car loans, water and electricity bills… The auto-pay times for various expenses are different every month, always making you feel dizzy? Have you also worried about not depositing sufficient funds before the auto-pay date, leading to late fees or affecting your credit rating? Stop letting these payment hassles affect your life! Auto-Pay Keeper is a simple, convenient, and powerful expense auto-pay record App, designed to assist you in mastering all credit cards, loans, and various expenses that are automatically paid, facing monthly automatic payments with peace of mind. [Core Features] Auto-pay deadline reminder: Precise time mastery, refuse overdue fines Advance reminder: We will send thoughtful notifications before the expense’s auto-pay date, ensuring you have ample time to confirm the deposit balance. Complete list: View all upcoming auto-pay deadlines at a glance, saying goodbye to deposit anxiety. Deposit status confirmation: One-tap marking, say goodbye to deposit worries Peace-of-mind management: For upcoming auto-pay expenses, you can mark the "Deposited" status in the App with one tap at any time. Undeposited reminder: The App will automatically track expenses with undeposited amounts and remind you again before the auto-pay date, making you 100% reassured. Monthly payment tracking and analysis: Graphical mastery, making financial management easier Intuitive charts: We will make your monthly auto-pay expenses into intuitive and easy-to-understand chart analysis. Payment trends: Clearly understand monthly payment trends, helping you optimize financial management. [Premium Version Extra Features] Customized auto-pay deadline reminders, fitting your distinguished identity.

Zero keeps your money and your debts, by hand. Write what you spent in one line — “coffee 4.50” — and Zero files it and counts your wallet. Type what you owe or are owed, and it plans the way to zero. WHAT IT HOLDS - Both directions of the ledger: money you owe, and money you lent out - Categories, from credit cards and loans to money owed to family - 64 currencies, each written the way that currency is written - An optional interest rate, minimum payment and due date on every debt - Every payment recorded with its date, kept as history you can scroll back through A PLAN THAT EXPLAINS ITSELF Zero doesn't just rank your debts — it tells you why. Pay by interest cost (avalanche) or smallest balance first (snowball), or drag the list into the order you want and mark what you must pay first. The plan names the one debt to attack now and the reason it's that one, then shows what this month costs and the month you finish. WHAT IT SHOWS - The month you become debt-free, and how many months away it is - Balance over time, drawn as steps, because money moved on the days it moved - How much of everything you've ever owed is now paid off - Overdue debts, and reminders three days before and on the day QUICK TO KEEP UP WITH - Swipe a debt to record a payment, edit it, or set its priority - Ask Siri: "Add a debt in Zero", "What do I owe?", "Record a payment in Zero" - Home Screen and Lock Screen widgets with your total and your next due date INTEREST SAVER (PRO) See what interest takes out of each payment, which order costs you least, and what paying a little more each month would save — worked out from your own rates. IT NEVER INVENTS A NUMBER This is the part most money apps will not do: - If your payments cannot reach zero, Zero shows no debt-free date at all, rather than one that flatters the plan. - The balance chart steps instead of curving, because a smooth line would draw money moving on days when nothing moved. - The chart scale stays pinned to your original total, so a small payment cannot be zoomed into looking like a large one. YOUR LEDGER STAYS ON YOUR PHONE Your debts, payments, notes and dates are stored on this device. With Pro, iCloud sync keeps a copy in your own iCloud, for your other devices and a new phone — Apple stores it; Zero never sees it. Export the whole ledger to CSV whenever you want your own copy, free, on any tier. Sign in with Apple is optional. It creates a free Zero account that carries your profile to a new phone and lets you invite friends. Every other part of Zero works without an account, and you can delete the account from inside the app at any time. No third-party trackers. No advertising identifier. No bank connection of any kind. To learn what works, Zero records which screens and buttons are used under a random number your phone makes for itself — never anything you wrote — and Settings › Share usage data turns it off. FREE, AND PRO Free holds up to 3 debts, with unlimited payments, the full payoff plan and your debt-free date, the charts, due-date reminders and the CSV export. Zero Pro removes the debt limit and adds the interest saver, iCloud sync, a Face ID lock, PDF reports, five color themes, six app icons and a ready-made reminder for people who owe you. Monthly and yearly subscriptions are available, along with a one-time lifetime purchase. Invite a friend and you both get a month of Pro. Zero does not lend money, refinance anything, broker loans, give financial advice, or connect to a financial institution. It is a notebook that can add up. Terms of Use: https://soso.uz/terms Privacy Policy: https://soso.uz/privacy