One date. Everything bends toward it.
2 years, 8 months to go · recomputed after every payment
The road out
Every month between now and zero, laid out end to end. The ones behind you are done, this one is lit, and the rest are simply countable — which is the whole difference between a balance and a plan.
What it does
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01
The date is the hero
One date — the month you finish — recomputed after every payment you record. And if your payments cannot reach zero, ZERO shows no date at all rather than one that flatters the plan.
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02
Both directions of the ledger
What you owe, and what people owe you, tracked separately and added up separately. Nothing is linked to a bank; you type what is true.
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03
A plan that explains itself
Highest interest first, smallest balance first, or drag the list into the order you want. The plan names the one debt to attack now — and the reason it is that one.
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04
Pay more, finish sooner
Add something to the month and watch what it buys: months off the end, and interest you keep. Your own figures, before you spend anything.
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05
Swipe, or just ask
Swipe a debt to record a payment, edit it, or mark what must be paid first. Or ask Siri — “what do I owe?”, “record a payment in Zero” — without opening the app.
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06
Z AI, and everywhere else
Ask the coach about your own debts in plain language and get answers built from your real numbers. Home Screen and Lock Screen widgets, due-date reminders, 68 currencies, 14 languages, and CSV export free on every tier.
On the phone
Two screens from the shipping build, captured as they run.
Z AI, the coach
Most debt advice cannot see your debts. ZERO’s coach can: it answers from the ledger you actually typed in, so the reply names your creditors, your rates and your dates rather than a worked example about somebody else.
- “Which one should I attack first, and why that one?”Reads your balances and rates, then explains the ranking instead of asserting it.
- “What does an extra 200 a month actually buy me?”Answers in months off the end and interest kept, using your figures.
- “I paid Ali 500k today.”Parsed into a debt, an amount and a date. You still confirm before anything is written.
The model runs on our server, not in the app. A key shipped inside an iOS binary can be pulled out of it, so the app holds none: it sends the question, the server holds the credentials and answers. Only the figures needed for the question you asked make the trip, and they are not stored afterwards.
Private by design
No bank logins. No trackers. No ads. Your ledger lives on your iPhone. We never back it up and never keep a copy — the only time a figure leaves the phone is while you are asking the coach a question, and it is not stored.
Signing in is optional: it creates a ZERO account holding only your profile and your conversation with Z AI, so a new phone can restore them. You can use everything else without one, and delete the account from inside the app whenever you like.
ZERO counts screens, not people. The app reports how often each screen was opened, with no device id, no account and no key of any kind attached, so two reports cannot be joined to each other or to you. It is how we know which parts of the app earn their place. Your debts are never part of it.
Dates built from estimated rates are labelled estimate until you confirm the real figures. ZERO does not lend, refinance, broker loans, or take a percentage of anything.