Live
Web app (installable PWA) Debt Payoff Planner
See your debt-free date, compare the snowball and avalanche methods side by side, and watch extra payments pull the finish line closer.
Try the live demo to explore the application — it runs right here on VaultlyApps with sample data, no sign-up needed.
Zero is a debt payoff planner and simulator. You enter each debt's balance, interest rate (APR) and minimum payment, and Zero calculates your debt-free date, total interest and payoff order under the snowball, avalanche or a custom strategy, then lets you test extra payments and lump sums to see how much sooner you could finish.
Debt feels endless when there is no visible finish line, and it's hard to know whether to attack the smallest balance or the highest interest rate first. Zero turns a pile of balances into a specific date and shows, in dollars, what each strategy and each extra payment is worth.
The answer to "when am I free?" on every screen, along with total interest, total paid and how far along you are.
Smallest balance first or highest APR first — or your own order — compared side by side, with a "lowest interest" badge on the cheaper plan.
Drag the slider and watch the debt-free date move closer, live, with the interest saved.
Test ideas like "what if I put $2,000 toward debt in June?" and save scenarios to compare.
See exactly what paying only the minimums would cost you in time and interest.
Log real payments in seconds; balances and the progress ring update by themselves.
A month-by-month debt payoff plan you can print or save as PDF.
A road-trip view with 25, 50, 75 and 100% milestones — motivational, never shaming.
Scroll sideways · select to enlarge
The debt-free date with total interest and progress
Extra-payment slider moving the debt-free date closer
Snowball, avalanche and custom strategies compared as lanes on a track
Debt tickets showing balance, APR, minimum payment and payoff month
Saved what-if scenarios compared side by side
Open the live demo, which comes with sample debts and a guided tour.
After buying, install Zero from your private link.
Add each debt with its balance, APR and minimum payment.
Compare strategies, set an extra payment you can sustain, and log payments as you make them.
Zero treats debt payoff as a trip with a destination. Every card and loan becomes a debt ticket with its balance, APR, minimum payment and projected payoff month. Together they produce one date — the day you reach $0 — shown on every screen, alongside total interest, total paid and how far along you are.
The road-trip view marks milestones at 25, 50, 75 and 100 percent, so progress feels like distance travelled rather than a balance that barely moves.
The strategy race compares the snowball method, the avalanche method and your own custom order as lanes on a track: the longer the lane, the more months it takes. The cheaper strategy gets a "Lowest interest" badge, so you don't have to do the arithmetic.
A minimums-only comparison shows what the slow road really costs. If you want to understand the methods before choosing, read Debt snowball vs debt avalanche, which compares all three on the same debts with real numbers.
The extra-payment slider moves your debt-free date as you drag it. Lump-sum what-ifs answer questions like "what if I put $2,000 toward debt in June?" with a new date and the interest saved. Save scenarios such as "$200 extra", "tax refund" and "minimums only" and compare their dates and interest side by side — the fastest route gets a badge.
This is where most people find the surprising result: a modest extra payment every month usually saves more than the choice between methods.
You'll need three numbers for each debt: the balance, the interest rate (APR) and the minimum payment.
When you pay, log it in seconds and the balances update by themselves. The progress ring fills, balances fall, and the debt-free date stays honest. Language throughout is motivational, never shaming — there are no red alarms for a slow month.
A printable month-by-month payoff plan (save as PDF) is useful for the fridge, a partner or a conversation with a credit counsellor.
Finding extra money is often easier than it sounds. Our guides to tracking subscriptions and your safe-to-spend number show where it usually hides.
The maths of paying off debt is simple. Staying with it for two or three years is the hard part. Zero is designed around the things that keep people going:
Zero has no account and no connection to lenders or banks — you enter the numbers. Your data stays on your own devices. Link your phone and laptop once with a 6-digit code or QR, and a payment logged on one appears on the other a moment later, encrypted on the device before it travels. A device that was offline catches up when it's back.
Zero installs from your private link on iPhone, iPad, Android, Mac, Windows and Chromebook and works offline once installed. It has Day and Night themes, 30 currencies, keyboard shortcuts and JSON backup and restore.
Vault includes the same snowball and avalanche comparison inside a full budget dashboard. Flow keeps a calm Safe to Spend number in view while you pay debts down, and Nest helps you build the emergency fund that stops new debt.
Zero is a planning and motivation tool, not financial advice. Its figures are estimates — real lenders calculate interest daily — and it does not move money or connect to lenders.
Further reading
Personal Finance
The snowball method pays the smallest balance first; the avalanche method pays the highest interest rate first. Here's how they compare on the same debts, with real numbers — plus the hybrid method and how to choose.
Personal Finance
Your bank balance isn't what you can spend. A safe-to-spend number subtracts bills, savings and planned spending first — here's the formula, worked examples for monthly, weekly and irregular pay, and the mistakes to avoid.
Personal Finance
Save $1 in week one, $2 in week two, up to $52 — and finish the year with $1,378. Here's how the 52-week challenge works, the math behind it, paycheck and monthly versions, and variations that are easier to keep up.
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The live demo runs in your browser with realistic sample data. Nothing to install, nothing to sign up for.
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