还款助手 vs Zero Debt

还款助理——你的个人债务与账单管理助手 还在为多笔贷款、信用卡账单头疼？还款助理帮你把分散的债务集中管理，让每一笔待还、每一份收入都清晰可查，还款更有计划、生活更有底气。 【财务概览，打开即知】 • 本月待还、本月收入、本月盈余一屏呈现 • 逾期笔数、剩余本金、预计还清时间实时更新 • 收支趋势图表，财务状况一目了然 【账单管理，清晰有序】 • 支持信用卡、房贷、车贷、消费贷、网贷等多种类型 • 录入贷款信息后自动计算还款计划，期数、月供、利息清晰可见 • 随时查看、编辑、搜索账单，多笔债务轻松掌控 【收入记录，收支平衡】 • 记录工资、兼职等各类收入来源 • 结合待还金额分析收支情况，帮助制定合理还款节奏 【月度报表，趋势可视】 • 月度财务报表整合收入与还款数据 • 图表展示收支变化，辅助你做出更从容的财务决策 【还款智能分析】 • 全面分析债务结构与还款进度 • 月度现金流、还款里程碑、债务优先级一目了然 • 支持提前还款模拟，帮你评估不同还款策略的效果 【贴心提醒，不再逾期】 • 账单到期前可自定义提前提醒天数与提醒频率 • 支持轻度、标准、高频等多种提醒方案 • 每月 1 日自动汇总当月账单，重要节点不错过 • 推送通知及时送达，还款日提前知晓 【会员服务】 • 普通用户可免费管理 3 个账单 • 订阅会员可无限添加账单，解锁完整还债工具与高级功能 • 支持 App Store 内购订阅，可随时取消自动续费 【安全与隐私】 我们重视您的数据安全，账户信息加密存储，仅用于为您提供账单管理与提醒服务。 立即下载还款助理，从今天开始，轻松管理每一笔财务。 官网：https://www.repayment.cn 支持：https://www.repayment.cn/support 隐私政策：https://www.repayment.cn/privacy 用户协议：https://www.repayment.cn/terms 许可协议（Apple 标准 EULA）：https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Zero is a debt ledger you keep by hand. You type in what you owe and what you are owed, and Zero does the arithmetic — no bank connection, no linked accounts, no guessing. 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 - 68 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 Z AI, THE COACH (OPTIONAL) Ask questions about your own debts in plain language and get answers built from your real figures — what to pay first, what happens if you add $50, when you finish. Z AI needs a free Zero account; the rest of the app does not. 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. Nothing is backed up or synced. Asking the coach a question sends only the figures that answer it — never your notes — and they are not kept afterwards. 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 and your coach across to a new phone, and unlocks Z AI. You can use every other part of Zero without an account, and you can delete the account from inside the app at any time. No trackers. No advertising identifier. No bank connection of any kind. Zero counts which screens are opened and which actions happen, in totals only — no device ID is ever created or sent, so two visits cannot be linked to each other, let alone to you. FREE, AND PRO Free holds up to 5 debts, with unlimited payments, the charts, due-date reminders, the CSV export and a few coach questions a day. Zero Pro removes the debt limit, draws the full payoff timeline to the last month, and makes the coach unlimited. Monthly and yearly subscriptions are available, along with a one-time lifetime purchase. 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