One date. Everything bends toward it.
2 years, 8 months to go · 4 years earlier than the minimums
The ember wall
Every month of your journey, laid in brick. The ones you have burned through carry the flame, the current one is lit, and the rest wait — cold, and countable.
What it does
-
01
The date is the hero
Not a dashboard of guilt. One date, recomputed after every payment — and beside it the date you would have reached paying only the minimums, so the number is an achievement rather than a fact.
-
02
This month, in front of you
What is due, on which day, and what paying it does to the date. Swipe a payment off the list when it lands.
-
03
Snowball, avalanche, or your own order
A plan built from your real balances, rates and monthly capacity. Compare both strategies in interest and in months, then commit to one.
-
04
The what-if lab
Add a little extra each month, or a one-off payment in March. See the new date and the interest you keep before you spend anything.
-
05
A month in review
When a month ends, ZERO tells you how it went: what you paid, how far the date moved, and how many months in a row you have held the plan.
-
06
On the Home Screen and the Lock Screen
Widgets in every size carry the date and the wall. Five themes, light and dark. Face ID lock, and CSV export when you want your numbers elsewhere.
Private by design
No accounts. No bank logins. No ads. Your numbers live on your iPhone, and in your own iCloud if you turn sync on — nowhere else. We cannot read them, because there is nowhere for us to read them from.
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.