Debt Payoff Tracker - Zero
Snowball, Avalanche & AI Coach
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
Track every balance you owe, every interest charge, every repayment. Snowball or Avalanche - your path to freedom starts now.
Zero - Know Your Debt-Free Date.
Zero is the debt payoff app built around one number that actually matters: the day you make your last payment. Every balance, every repayment, every interest charge - tracked with precision so you can see exactly where every dollar goes and exactly how fast you can reach freedom.
CHOOSE YOUR STRATEGY
- Debt Snowball: Pay off your smallest balance first. Build momentum. Feel wins compound.
- Debt Avalanche: Attack the highest-interest debt first. Pay less interest overall.
- Compare both side-by-side: see which strategy saves more in interest and time.
- Switch strategies anytime without losing your data.
UNDERSTAND WHERE EVERY DOLLAR GOES
- See every balance you owe - credit cards, auto loans, personal debts, and more
- Track monthly interest charges and total interest cost per debt
- Watch your principal balance shrink with every repayment
- Know how your income and expenses affect your debt payoff pace
- What-If Calculator: how much do you save by adding $100 or $500 per month?
WATCH YOUR PROGRESS
- Total debt countdown with a live payoff date projection
- Milestone celebrations at 25%, 50%, 75%, and the moment you reach zero
- Days-to-freedom countdown (Premium)
- Full repayment history (Premium)
AI DEBT COACH (PREMIUM)
Ask your AI coach anything about your debts, your repayment options, or your path to financial freedom.
- "Should I switch from Snowball to Avalanche?"
- "What if I repay an extra $300 this month?"
- "How do I free up income to accelerate my payoff?"
Powered by advanced AI. 30 questions per day.
ZERO PRO FEATURES
- Unlimited debts (free tier: up to 5)
- Full repayment history
- Interest vs. principal monthly breakdown
- Payoff timeline visualization
- Days-to-freedom countdown
- AI Debt Coach (30 queries/day)
- Export to CSV
- Shareable progress cards
- Custom app icons
FREE TIER INCLUDES
- Up to 5 debts tracked
- Snowball and Avalanche strategies with side-by-side comparison
- Payment logging with milestone celebrations
- Payoff date projection
- What-If Calculator
Zero Pro is available as a monthly ($4.99/month) or yearly ($39.99/year) subscription. A 50% introductory offer may be available for new subscribers.
Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Performance improvements and bug fixes.
The developer, Karol Jaworski, 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 Linked to You
The following data may be collected and linked to your identity:
- Purchases
- Financial Info
- Contact Info
- Identifiers
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Usage Data
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Karol Jaworski
- Size
- 4.2 MB
- Category
- Finance
- Compatibility
Requires iOS 18 or later.
- iPhone
Requires iOS 18 or later. - Mac
Requires macOS 15.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 2.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Zero Pro Monthly $4.99
- Zero Pro Yearly $39.99
- Zero Pro - First Year Offer $39.99
- Copyright
- © 2026 Karol Jaworski