Zero vs Debt Payoff Planner

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

DebtLog helps you pay off multiple debts: it plans your payoff order, shows your debt-free date and lets you log every payment along the way. [All your debts in one place] Add as many credit cards, loans, car loans, student loans or medical bills as you need. Edit balances, APR, minimum payments and due dates anytime. [Payoff order and debt-free date] Enter your monthly budget and choose snowball (smallest balance first), avalanche (highest APR first) or your own order. DebtLog builds the plan, shows your debt-free date and total interest, and rolls freed-up payments into the next debt automatically. [Just log your payments] Record payments, extra payments and new charges. Balances and your debt-free date update instantly, and past entries can be edited or deleted. A reminder on each due date lets you log the payment in one tap. [See your progress] A balance chart, percent paid off, interest paid this year and a list of debts you have cleared keep you motivated. [No account. Data stays on your phone] No sign-up and no bank connection. Your data is stored on your device. Move it to a new phone with a backup file and export CSV anytime. [Premium] Save and compare multiple payoff plans, simulate a windfall payment, set 0% promo periods and deferment, PDF reports, and no ads. Results are planning estimates, not financial advice. Check your lender's statements for exact amounts. Terms of Use (EULA): https://show-ec09e.web.app/terms.html Privacy Policy: https://show-ec09e.web.app/privacy.html