Zero: 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