Debt Payoff vs Zero

Pay off debt faster. See your debt-free date in seconds. Debt Payoff is the simplest way to crush credit card debt, student loans, car loans, mortgages, and more — using the snowball method, the avalanche method, or your own custom plan. Add every balance, pick a strategy, and watch your debt-free date move closer with every payment. Built for people who actually want to be free of debt — not just track it. WHY DEBT PAYOFF • Snowball method — Pay off your smallest balance first for fast, motivating wins. Every cleared debt rolls its payment into the next, so payoff accelerates with every win. • Avalanche method — Pay off your highest-interest debt first to save the most money in total interest. The mathematically optimal strategy when discipline isn't your bottleneck. • Side-by-side comparison (Premium) — See exactly how much money and how many months each strategy saves you. Pick the one that fits your life and your math. • Extra-payment savings forecast (Premium) — Curious what adding $50 a month would do? Get the answer instantly — months saved, total interest saved, and your new debt-free date. • Milestone celebrations — Hit 25%, 50%, 75%, first-debt-cleared, and debt-free. Real progress markers, not vanity metrics. • Multi-currency support — 50+ currencies including USD, EUR, GBP, CAD, AUD, JPY, INR, BRL. • Four languages — English, German, French, Spanish. • Private by design — Your debt is your business. Nothing leaves your phone. No accounts, no servers, no analytics. HOW IT WORKS 1. Add every balance — credit cards, student loans, car loans, mortgages, medical bills, personal loans, anything you owe. 2. Enter each debt's minimum payment and interest rate (APR). 3. Pick a strategy — Snowball, Avalanche, or Custom. 4. Add extra payment if you have it. 5. Watch the math unfold — months to debt-free, total interest paid, and a payment-by-payment plan. No spreadsheets. No formulas. No "let me figure out the math." SNOWBALL OR AVALANCHE? Choose Snowball if you've tried to pay off debt before and lost motivation halfway. Quick wins keep you in the game. Choose Avalanche if you trust the math and want to pay the least amount of interest possible. It saves more on paper but takes longer to feel a victory. Most people start with Snowball, switch to Avalanche once they've cleared a debt or two. Debt Payoff makes the switch one tap. GREAT FOR • Credit card debt payoff • Student loan tracking • Car loan payoff planning • Medical bills consolidation • Personal loans • Multi-account budgeting • Debt consolidation planning • Building toward financial freedom GET STARTED FREE Free with up to 2 debts. Premium unlocks unlimited debts, side-by-side strategy comparison, and the extra-payment savings forecast. 3-day free trial. Cancel anytime in Settings. This app offers a weekly subscription with a 3-day free trial, and an annual subscription. Payment is charged to your Apple ID at confirmation of purchase. Subscriptions automatically renew unless cancelled at least 24 hours before the end of the current period. Manage or cancel subscriptions in your Apple ID Account Settings. Restore purchases from the app settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Zero helps you pay off debt - one number, one step at a time. No spreadsheets. No stress. Just a calm, clear plan to get to zero. See everything you owe as a single number, with an estimated debt-free date based on your balances, rates and payments. Then pick a proven payoff method and watch that date get closer every time you make a payment. WHY ZERO • One clear number - all your debts add up to a single balance and an estimated payoff date. • A plan that works - choose Fast Wins (debt snowball) for momentum, or Less Interest (debt avalanche) to save the most money. • Keep payments in focus - reminders before each due date and simple tools to record payments or update balances. • Stay motivated - meaningful milestones and payoff celebrations recognize your progress. • See "what if" - move one slider to see how paying a little extra each month brings your debt-free date sooner. BUILT FOR REAL LIFE Student loans, credit cards, a car loan, or medical bills - Zero keeps it simple. Add what you owe in three quick fields and you're set. PRIVATE BY DESIGN Your debt balances and payment records stay on your device. No bank logins or account required. Core features work offline. Optional Meta install and app-open measurement requires iOS tracking permission and can be revoked in iOS Settings. Private app records and purchase events are not sent through this integration. FREE TO GET DEBT-FREE The core tools - tracking, reminders, and the snowball & avalanche plans - are free forever. Zero Plus offers optional monthly and yearly subscriptions for unlimited debts, home-screen widgets, custom reminders, and unlimited what-if calculations. Start today. Get to zero. Terms of Use (EULA): https://appcitystudios.com/eula Privacy Policy: https://appcitystudios.com/privacy-policy