Zero vs BrightPathDebtPath

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

Debt payoff should feel clear—not overwhelming. BrightPath DebtPath helps you compare payoff strategies, understand interest and fees, and turn estimates into a practical monthly action plan. Enter your debts manually, adjust every assumption, and see how different payment choices may affect your path. Now with native iPhone and iPad layouts. PLAN WITH CLARITY • Add credit cards, personal loans, auto loans, medical debt, and other balances • Compare snowball, avalanche, and custom payoff orders • See estimated payoff dates, interest, fees, and total payment time • Model monthly or daily-simple interest • Account for promotional APR deadlines and recurring fees • Add recurring extra payments and one-time boosts • Edit every calculation assumption KNOW WHAT TO DO NEXT • See suggested payment amounts for the upcoming month • Identify minimum payments that may not cover estimated interest and fees • Catch promotional-rate deadline risks • Test how reducing your extra payment by 20% could affect the timeline • Follow a projected payoff calendar and milestones TRACK REAL PROGRESS • Record payments with principal, interest, and fee breakdowns • See progress against original balances • Schedule optional monthly and due-date reminders • Export debts, scenarios, boosts, and payment history as CSV PRIVATE BY DESIGN • Your plan is stored locally on your device; it does not sync between devices • No account, bank connection, or credit check is required • No advertising or third-party analytics SDKs • Optional Face ID, Touch ID, or device-passcode protection • On eligible devices, Apple Intelligence can explain already-calculated results privately on device • An offline explanation remains available when Apple Intelligence is unavailable FREE AND PRO The Free tier includes unlimited debt records, all three payoff strategies, one saved scenario, payoff calendars, progress tracking, reminders, plan-health insights, CSV export, and private explanations. DebtPath Pro unlocks unlimited saved scenarios with a one-time lifetime purchase. The current offer has no subscription or automatic renewal. Apple shows your local price before purchase. Existing monthly subscribers retain access while their subscriptions remain active under their existing renewal terms. Manage existing subscriptions through your Apple Account; a lifetime purchase does not cancel a subscription. BrightPath DebtPath provides educational estimates only—not financial, legal, tax, credit, or lending advice. Actual lender rules, compounding, statement timing, promotional terms, fees, minimum payments, and payment allocation may differ. Confirm payment and payoff instructions with each lender. CSV exports are summaries, not restorable backups. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/