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Snowball or avalanche payoff plan with a real debt-free date. Offline, no ads.
Enter your debts once and see the month you'll be debt-free. Pick snowball or avalanche, add what extra you can pay, and watch the payoff date move before you decide anything. No account. No bank connection. No ads. Your balances stay on your phone. A PLAN YOU CAN CHECK • Add each debt with its balance, APR, minimum payment and due day: credit cards, car loans, student loans, personal loans, buy now pay later, medical bills. • Choose snowball (smallest balance first), avalanche (highest rate first) or your own order, and compare all three side by side: payoff date, total interest, and the difference between them. • See the monthly schedule for every debt, with interest and principal split out, down to the last payment. • Got a 0% promotional rate? Enter it with its end date. The plan switches to the regular rate when the promotion ends, and avalanche reorders your debts when it does. • The formulas are written out in How the math works, so you can check any number against your own spreadsheet. TRY IT BEFORE YOU COMMIT • Add an extra amount per month or a one-time payment and see how many months sooner you finish and how much interest you save. • Plan a different extra for different months, or pick a target month and get the budget that reaches it. • Give one debt a deadline, like clearing a card before its 0% rate ends. • Keep the scenarios you want to compare, and apply one when you're ready. TRACK WHAT YOU ACTUALLY PAID • Each month, tick the payments you made. The plan recalculates from your real balances. • Pay off a debt and its minimum rolls into the next one automatically. • Record new charges, fees and statement interest, or set the balance your statement shows. Nothing in your history is overwritten. • Recurring payments are suggested on their due day; review and confirm several at once. • Charts show the plan against what really happened, with milestones at a quarter, half, three quarters and done. REMINDERS AND WIDGETS • A reminder on each due day, a monthly nudge to log payments, and a notice 30 days before a promotional rate ends. Notifications never show amounts. • A home screen widget keeps your debt-free date and the months remaining in sight. YOUR DATA, YOUR FILES • Lock the app with your fingerprint, face unlock or passcode, and hide every amount with one switch. • Back up to a file you keep, in a folder you choose, and restore it on a new phone. • Export the schedule as a PDF, or your debts and payments as CSV. Import debts from a CSV template, with a preview of every row before anything is saved. Zero Owed is a planning tool. It estimates with a monthly interest model; your lender may calculate daily, so your statement can differ slightly.