DebtZero: Debt Payoff Planner

Build a debt payoff plan that fits your budget. DebtZero helps you organize your debts, compare repayment strategies and follow your progress. ORGANIZE YOUR DEBTS Manually add balances, interest rates and payments so you can see what you owe in one place. No bank connection or account sign-in is required. COMPARE SNOWBALL AND AVALANCHE Explore the Snowball method, which prioritizes smaller balances, and the Avalanche method, which prioritizes higher interest rates. Compare estimated payoff timing and interest using the figures you enter. EXPLORE EXTRA PAYMENTS Simulate additional payments and see how they could affect your estimated repayment plan. TRACK YOUR PROGRESS Record balance updates, review balance history and mark completed payments. Set optional local reminders to help you follow your plan. Marking a payment does not send money or pay a lender. KEEP YOUR PLAN WITH YOU Planner data is stored locally on your device. Export a JSON backup when you choose and restore it later. Choose a light or dark theme. DebtZero is a planning tool. It does not provide or arrange loans, connect to bank accounts or process payments. Payoff dates and interest calculations are estimates based on your inputs and planning assumptions; actual lender charges and repayment results may differ.