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7-day free trial · no credit card

Your Debt-Free Date
is Closer Than You Think

Built to make paying off debt feel like winning a game. Track progress, earn achievements, and see your projected debt-free date.

A projection based on your numbers — not financial advice.

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Cancel anytime
35 currencies
Live Calculator

Try it. No signup.

Drag the sliders. Watch your debt-free date move.

$28,500
$650
19%
Debt-free by
October 2032
76 months$20,530 interest
Pay $100 more/mo → May 2031 · save $5,083
Plan my payoff for real
Estimate shown in
Sample profiles in major currencies; your plan runs in your home currency.

How ZeroDue Works

Three steps. Watch them happen as you scroll.

1

Add your debts

Type or paste your balances. APR, minimum, due date — done in under a minute. We don't need bank login.

2

See your strategy

Avalanche, snowball, or hybrid — compared side-by-side. Your exact debt-free month appears the second your last debt is in.

3

Track wins, watch days drop

Every payment shrinks your countdown. Streaks, achievements, and milestones turn the slow grind into a game you actually want to play.

Total debt
$0
Chase Sapphire
24.5% APR
$8,420
Personal Loan
11.0% APR
$15,000
Amex Gold
21.0% APR
$5,080
Avalanche · optimized
Debt-free by
March 2030
47 months · $8,210 in interest
Balance trajectory$0 →
vs Snowball: 9 mo faster, save $1,420
Achievement unlocked
First $5K Crushed
+250 XP · 12-day streak
Days until debt-free
1,247
Keep scrolling

Two ways to chase a debt-free date.

Same number of payments. Wildly different feeling.

Without ZeroDue

Paying off debt in the dark.

  • No idea when you'll actually be debt-free.
  • Five tabs of a spreadsheet that you stop opening.
  • Surprise late fees because nothing reminded you.
  • Every win disappears the moment the next bill arrives.
With ZeroDue

Paying off debt with a finish line in sight.

  • A specific month and year on the calendar.
  • One screen — every debt, every minimum, every milestone.
  • Every payment shrinks the date. You feel it.
  • Streaks and badges keep the wins visible, on purpose.

Same debts. Same income. The difference is seeing it.

Everything You Need in One Place

A complete financial command center — not just another budget app

Showcase

Debt-Free Date Calculator

See your exact debt-free date. Compare avalanche, snowball, and hybrid strategies side-by-side.

Balance trajectory$0 in 47 mo

Smart Dashboard

Income, expenses, debts, and net worth — one screen.

Income
$8.2k
Expenses
$5.4k
Debt
$28k

Financial Health Score

A 0–100 score with the exact tips that move it.

78

Achievements & Streaks

XP, badges, daily streaks. Debt payoff as a game.

Credit Card Tracker

Balances, utilization, minimums.

Sapphire Reserve
32%
Amex Gold
18%
Citi Double Cash
64%

What-If Scenarios

Drag a slider. Watch your timeline shift.

Extra payment+$200
→ 14 months sooner

Payment Calendar

Every bill, every due date — one calendar.

35 Currencies

Works globally with PPP-adjusted pricing.

USDEURGBPJPYINRCAD+29

How does ZeroDue compare?

We're optimized for one thing: getting what you owe to $0. Here's where that helps — and where it doesn't.

ZeroDue
$9.99/mo
  • Exact debt-free date
  • Avalanche + Snowball + Hybrid
  • What-if simulator
  • Achievements & streaks
  • 35 currencies, PPP-adjusted pricing
  • Automatic bank sync (on roadmap)
  • No credit card for trial
  • No ad-tracker / data resold
YNAB
$14.99/mo
  • Exact debt-free date
  • Avalanche + Snowball + Hybrid
  • What-if simulator
  • Achievements & streaks
  • 35 currencies, PPP-adjusted pricing (limited)
  • Automatic bank sync
  • No credit card for trial
  • No ad-tracker / data resold
Rocket Money
$5–12/mo
  • Exact debt-free date
  • Avalanche + Snowball + Hybrid
  • What-if simulator
  • Achievements & streaks
  • 35 currencies, PPP-adjusted pricing (US only)
  • Automatic bank sync
  • No credit card for trial
  • No ad-tracker / data resold
Spreadsheet
Free
  • Exact debt-free date (manual)
  • Avalanche + Snowball + Hybrid
  • What-if simulator (manual)
  • Achievements & streaks
  • 35 currencies, PPP-adjusted pricing (manual)
  • Automatic bank sync
  • No credit card for trial
  • No ad-tracker / data resold

Competitor pricing and publicly-listed features verified as of June 2026. Bank sync is on our roadmap; until then, 30-second manual entry is the trade.

One plan. Every feature. No tiers.

We don't gate features. You either have ZeroDue or you don't.

Full Access
$9.99/mo
Priced for your wallet · all 35 currencies in app
  • Every feature included — no tiers
  • Avalanche, snowball & hybrid strategies
  • Achievements, streaks & milestones
  • Multi-currency, PPP-adjusted globally
  • 7-day trial · no credit card required
  • Cancel anytime in two clicks
Start Free 7-Day Trial

No credit card. Cancel anytime. Trial converts to paid only if you say so.

Honest answers, before you sign up.

The questions we'd ask too.

Is my financial data actually safe?
Yes. Your data lives in an isolated workspace per account, encrypted at rest with AES, and protected by JWT auth + 2FA + brute-force throttling. We don't sell, share, or train on your data — there are no ad trackers on this site or in the app.
Why don't you connect to my bank account?
Bank sync is on the roadmap, but it isn't here yet. For now, you add debts and balances manually — it takes about 30 seconds per debt. We chose this trade-off because most people who try ZeroDue want to see their debt-free date today, not after a 5-step Plaid OAuth flow that may or may not support their bank.
What happens if I cancel mid-trial?
Nothing bad. Your trial converts to paid only if you tell us to — there's no card on file unless you add one. If you cancel inside 7 days, your data is preserved for 30 days in case you change your mind, then deleted.
Can't I just do this in a spreadsheet?
You can. Many people start there and it works — until you have 4+ debts, irregular extra payments, and want to compare avalanche vs snowball. ZeroDue does the simulation math (compounding interest, payoff month, what-if scenarios) so you don't maintain formulas. It's the difference between a calculator and a strategy.
Is this just another budget app?
No. Budget apps focus on month-by-month spending. ZeroDue is debt-freedom-first — every screen orbits the question "when am I out?" and how to bring that date closer. Budgeting tools live inside, but they aren't the goal.

Still have a question? Email support@getzerodue.com.

Days until debt-free
1247
getting closer…

Your debt-free date is waiting.

Let's find out what it is — and start moving it closer, today.

No credit card. Cancel anytime. Every feature included.