Heo vs Zero Debt

All Your Money. Finally, One Number. Heo is a multi-currency expense tracker for people who spend across borders, apps, and wallets. Log a coffee in seconds, watch every account roll up into your home currency, and finally know exactly where your money goes. WHY YOU’LL LOVE HEO LOG EXPENSES IN ONE TAP Add an expense with a single tap. Heo learns your habits and suggests the right category based on the amount and time of day, so most entries are finished before you even think about them. EVERY CURRENCY, ONE TOTAL Track cash, bank accounts, cards, and e-wallets in any currency. Heo automatically converts everything into your preferred home currency, giving you one clear view of your finances. No spreadsheets. No mental math. SUBSCRIPTIONS MADE SIMPLE Adding recurring bills takes seconds. Heo suggests popular subscriptions in your country and pre-fills a typical price, which you can adjust to match your actual plan. HANDS-FREE EXPENSE LOGGING (PRO) Capture expenses your way: * Type naturally, like “coffee 65k” * Speak it out loud * Scan a receipt Heo automatically extracts the amount, merchant, and category for you. BUDGETS THAT WARN YOU EARLY Set spending limits for any category and receive a gentle heads-up before you exceed your budget, not after. INSIGHTS YOU’LL ACTUALLY READ Simple charts help you understand: * Where your money goes * How much you earn * How your spending changes over time HOME SCREEN WIDGETS Log expenses directly from your home screen and keep your balances just a glance away. PRIVATE BY DEFAULT Your financial data stays yours. * Face ID and PIN protection * Start without creating an account * Connect an account later for backup and sync SPEAKS YOUR LANGUAGE Available in: English Tiếng Việt 简体中文 日本語 한국어 ไทย Bahasa Indonesia Money Is Stressful Enough. Heo makes expense tracking quick, clear, and genuinely pleasant to use. Spend less time tracking money. Spend more time enjoying it.

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