Debt is expensive - but doing nothing costs more. Build a private, powerful plan to crush debt and reclaim your freedom.
Getting out of debt is a journey, and having a clear plan makes all the difference. Debt Zero is designed to give you the clarity and confidence you need to reach financial peace faster.
Most finance apps look backward at what you’ve already spent. Debt Zero looks forward, showing you exactly when you will be out of debt. Whether you prefer the early wins of the Snowball method or the interest savings of the Avalanche method, we help you build a plan to move you towards being debt free.
• COMPLETE PRIVACY: Your financial data stays on your device, exactly where it belongs. No bank connections, no data sharing, and no broken syncs—just a secure place for your plan.
• SEE YOUR PROGRESS: Watch your "Freedom Date" get closer in real-time. Discover how a plan for extra payments today can shave months off your timeline and save you money in the long run.
• STAY ORGANIZED: Use the built-in calendar to visualize your regular payments and plan your strategy with a clear, calm roadmap.
• DAILY MOTIVATION: Keep your goals front and center with elegant home screen widgets that celebrate every step of your journey.
• JOURNEY MILESTONES: Celebrate small wins along the way, earn milestone stickers, and share your progress to encourage others.
• A PERSONAL EXPERIENCE: Customize the app to match your style with premium themes and icons designed for a beautiful, native iOS experience.
• ESTABLISHED TRUST: Built and launched in 2020, Debt Zero has been a reliable companion for users on their path to financial freedom for over half a decade.
Debt Zero does not sync with financial institutions. We understand that entering data can feel like a big step, but taking that moment to organize your numbers is the first step toward taking control of your future. While automated tracking can feel convenient, active engagement with your plan helps you stay focused on reaching your goals.
You aren’t just downloading a tracker; you’re choosing a clearer, calmer path to $0.00. You’ve got this!
Privacy Policy: https://debtzero.couleemoon.ca/privacy
Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
I really love this simple app! It’s so close to perfect. I’d like to be able to see a summary of payments going out and where the snowball payments are going. For example I paid off a card and now need to funnel x amount to which account. Also a total amount that’s going out would be awesome!
Developer Response
Thank you so much for your feedback and your encouraging review! We are always looking for ways to make Debt Zero as helpful as possible!
Sincere review
Gwen110
This is probably the first sincere review that I have ever done. Because I am usually just putting five stars and not leaving a review. But I think that you should get this app because you can have a widget on your Home Screen that will show you how far you have come in paying off your debts. And you can change the color of the icon on a whim. Let’s say you are rooting for the Chicago Blackhawks. You can change it to black and red.
Developer Response
Thank you so much for your kind review! Best wishes on your debt free journey!
It's looks nice but
Gaul6000
Needs to add a line towards debt. Currently you add your minimum amounts. Now it needs to be able to add line for extra payments after each debt is paid you can snowball that amount to next debt. I like the be able to list everything but I'm not seeing anything about actually paying anything down. There should be paid off button or something.
Developer Response
Thank you for the feedback! Currently once a debt is showing a zero balance, it will automatically roll over into the next account based on priority (snowball or avalanche). You can also view these additional payments in the calendar view. Again, thank you for taking the time to leave a review!
Simple App!
Camsmom711
The easiest app to simplify your debt payoff. It’s all manual entries, which eliminates any bank connection/security issues. Simply enter your account balances, min payment and the calculator organizes your snowball for you. Reminder prompts you to update your balances once a month. Very helpful!
Developer Response
That is so kind! I’m glad you are finding Debt Zero useful 😁. Good luck on your debt free adventure! Stay the course 😉
Thanks for using Debt Zero! This update includes minor enhancements and fixes.
Version 9.0.3
The developer, Casi Knibbs, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Identifiers
Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
The developer indicated that this app supports the following accessibility features. Learn More
