DebtZero
Crush your debt. Keep your peace.
A privacy-first debt payoff tracker with 5 strategies (Snowball, Avalanche, Custom, plus DebtZero-original Tsunami and Blizzard). Multi-currency support, 6 debt categories, and a shared Couples Mode timeline. Visualizes payoff plans, simulates extra payments, and gamifies progress with the DebtZero Score.
DebtZero
finance
Crush your debt. Keep your peace
Account
Not required
Analytics
Opt-in & anonymous
Your data
Stays on device
Ads & trackers
Zero
What you get
Built for exactly this — and nothing you don't need.
Three payoff strategies
Snowball (smallest first), Avalanche (highest interest first), or a Custom order you control.
What-if simulator
See how an extra payment, a windfall, or a lower rate moves your debt-free date.
Payoff calendar
A month-by-month breakdown of every debt, all the way to zero.
Milestones
First payment, halfway, debt destroyed: quiet celebrations that keep you going.
Private by design
Multi-currency, biometric lock, and optional encrypted iCloud sync. No bank links, ever.
How it works
Up and running in under two minutes.
- 01
Add your debts
Enter each balance, interest rate, and minimum payment. Takes about two minutes.
- 02
Pick your strategy
Snowball (smallest first) or Avalanche (highest interest first). See both projections side-by-side.
- 03
Watch your freedom date move
Every extra payment recalculates the date. The number that matters gets closer.
A note from the studio
“Debt-stressed households are the most anti-subscription cohort on the App Store — yet every competitor charges monthly or wants to link your bank. We built the one you pay for once and keep, that never sees your accounts.”
Questions
The honest answers.
Do I have to connect my bank?
No — and you can't. DebtZero never links to any bank or credit account. You enter balances yourself, so nothing sensitive ever leaves your phone.
Is it really a one-time price?
Yes. One lifetime unlock, no subscription. Debt is stressful enough without another monthly bill.
Do you show ads or sell my data?
Never. No ads, no data sale. Analytics are anonymous and aggregate only — never your balances or lender names.
Will my data sync across devices?
Optionally. iCloud sync is end-to-end encrypted and entirely under your control. Off by default; on means only your own devices, never our servers.
Is this financial advice?
No. DebtZero is a planning and tracking tool. It doesn't provide financial, legal, or tax advice — for that, talk to a qualified professional.
Launching soon
Be first to know when DebtZero ships.
It'll launch at Pay once — lifetime. Free tier: track up to 2 debts with the snowball method and a basic projection.
One email when it lands on the store. No drip sequence, no spam.
No spam. No tracking. Email only — unsubscribe with one click.
Your debts, balances, and payment history are stored locally on your device (encrypted on disk).
From the journal
Notes on make the money behave.
- 01
Debt Avoidance: Why You Keep Closing the App Before It Loads
Debt avoidance is not laziness — it's your brain protecting you from a number it doesn't know how to hold. Here's what actually breaks the loop.
2026-04-26
6 min read
- 02
How to Pay Off Debt Without the Anxiety That Keeps You Avoidant
Most people don't fail at debt payoff because they lack discipline — the anxiety wins first. Here's how to pay off debt without anxiety driving you back to avoidance.
2026-04-08
5 min read
- 03
Your Debt Freedom Date: The One Number That Actually Matters
When you're paying off debt, most people watch the wrong numbers. Your debt freedom date — the day your last balance hits zero — is the only one worth tracking.
2026-03-21
4 min read