Stop guessing what to pay.
Get a payoff plan that tells you.
Zeroed puts every bill and debt on one wall calendar, then hands you an exact monthly payment list — Snowball or Avalanche — so the balance drops faster and the interest stops winning.
Bills scattered across five apps, due dates that sneak up on weekends
Zeroed is one wall calendar for everything: rent, subscriptions, credit cards, loans. Recurring bills project forward until you cancel them, weekend and bank-holiday due dates automatically slide to the prior business day, and autopay bills stay quiet.
- Every bill and debt payment on one month view
- Weekend / holiday shift so payments post on time
- Autopay tagging keeps reminders relevant
An exact payment list for this month — not a spreadsheet you have to maintain
Pick Snowball or Avalanche, tell Zeroed how much extra you can throw at debt, and it tells you precisely what to pay on every account. Freed-up minimums roll into the next target automatically, interest is accrued at your real APR, and every paid-off card gets a confetti moment.
- Minimums everywhere, snowball on the target debt
- Real APR interest on every logged payment
- Progress bars, payment history, payoff celebrations
See the debt-free date move before you commit a single dollar
The simulator compares Snowball vs Avalanche month by month, shows total interest and the exact payoff date, and the utilization lab shows what to pay on each card to get under 30% before the statement reports.
- Snowball vs Avalanche side by side
- Month-by-month schedule you can export
- Credit utilization lab with per-card sliders
Built for two. Invite your spouse and run the household from one plan
Create a household, send a private invite link, and both of you see the same bills, calendar, debts and payoff plan — pay from either phone, and the other sees it instantly.
- Private invite links, optionally locked to an email
- Shared bills, debts, plan and history
- Owner controls who's in
Three steps to a plan you'll actually follow
Name, amount, due date, APR, credit limit. Zero-balance cards count toward utilization too.
Snowball for momentum, Avalanche for the math. Set how much extra you can pay each month.
Log each payment in one tap. Balances, utilization, calendar and the debt-free date update instantly.
Questions people ask before signing in
Does Zeroed connect to my bank?
No. You enter balances and log payments yourself — nothing is linked, nothing can be moved. Just planning.
Is it really free?
Yes. Sign up with email or Google and use everything: calendar, debt tracker, simulator, household sharing.
Snowball or Avalanche — which should I pick?
Avalanche (highest APR first) saves the most interest. Snowball (smallest balance first) gives quicker wins. The simulator shows both so you can decide with numbers.
Can my partner see and pay bills too?
Yes. Create a household, share the invite link, and you both manage the same plan.
Your debt-free date is one sign-in away.
Add your bills tonight. Wake up to a calendar that knows what's due and a plan that knows what to pay.