Zero Debt: Payoff Planner

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. 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 2 debts, with unlimited payments, the full payoff plan and your debt-free date, the charts, due-date reminders, a ready-made reminder for people who owe you 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 and six app icons. 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.

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