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Compare repayment plans, choose where to overpay and track your progress
See your next step toward paying off debt. DebtZero brings your balances, monthly budget and payoff estimates into one clear plan. COMPARE THREE REPAYMENT STRATEGIES Set one monthly budget and compare smallest balance first (snowball), highest interest first (avalanche) and your own repayment order. See estimated interest and payoff dates for the same balances and budget. CHOOSE WHERE TO OVERPAY Enter a one-time extra amount and compare which debt to target. See estimated interest savings, the change in your overall payoff time and the selected debt's payoff date. Save your chosen option directly to the plan without entering the amount again. Any remainder follows your plan strategy; money not needed to repay the debts is excluded. You can also plan recurring monthly extras. SEE YOUR PLAN AT A GLANCE The home dashboard uses large figures, progress indicators and charts to show your balances, recorded progress and estimated path to becoming debt free. FOLLOW YOUR RECORDED PROGRESS Record completed payments, update balances during a monthly check-in and view balance history and estimated milestones. Recording a payment does not transfer money or reduce your balance automatically. START WITH A GUIDED EXAMPLE A six-step tutorial includes a practice screen showing the difference between recording a payment and updating a balance. Skip it or reopen it in Settings. Examples never change your plan. BUILD A ROUTINE THAT FITS Use a weekly review, payday planning, an extra-savings log and a personal goal to keep your next step visible. See what changed after a balance update, or pause optional check-ins during a difficult month. Payday reminders do not change the monthly repayment model. YOUR LANGUAGE AND CURRENCY Choose English, German, Polish or Canadian French. Regional English options cover the US, UK, Australia and Canada. A plan uses one currency: USD, EUR, GBP, AUD, CAD or PLN. Language and number format can change without altering saved amounts. Currency conversion and other currencies are not supported. LOCAL PLANNING The planner works offline with no account or bank connection. Use optional local reminders and export or restore a JSON backup. Choose a light, dark or device-controlled theme. UNDERSTAND THE ESTIMATE DebtZero uses fixed annual interest and monthly payments. Its simplified card minimum is the greater of a fixed floor or a percentage of the opening balance before interest; check that this matches the model you need. Daily interest, fees, mortgages, variable or promotional rates, income-based repayments and weekly or fortnightly payments are outside this model. Estimates can differ from lender statements. DebtZero is a planning tool for adults, not a lender or financial advice service. It does not promise savings, a payoff date or a change in credit score. Local guidance explains which figures to use. This release includes Google banner ads, which use an internet connection. Advertising choices are available where required. DebtZero does not send your debt names, balances or payment history to the ad service. See the privacy policy.