Know the month your debt ends
Most debt apps show what you owe. Zeroly shows the day it ends. Add your cards and loans, set what you can pay each month, and get one date. Every payment you log moves it.
Debt-free in
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Sample debts. In the app, you add your own.
Three answers, one date
Setup takes a few minutes. Copy the numbers from your statements and Zeroly does the math.
Add what you owe
Cards, loans, money you borrowed from someone. Enter the balance, the interest rate and the minimum payment as they appear on your statement.
Say what you can pay
One monthly amount for all your debts together. If it doesn't cover the minimums, Zeroly tells you exactly how much is missing.
Pay what the list says
Each month you get a short list of what to pay and where. Log a payment and your date updates.
Everything points to one date
Two proven methods. Zeroly picks with you.
Both pay every minimum. They differ in where the extra money goes.
Snowball
Smallest balance first
You close a debt early, and its payment rolls into the next one. Quick wins keep you going.
Avalanche
Highest interest first
The most expensive debt goes first, so you pay the least interest overall. It can take longer to see the first one close.
During setup Zeroly asks what keeps you going, compares both methods on your real debts, and explains its pick in one sentence. You can switch at any time.
Your debts are nobody's business
No account needed
Everything works on your phone without signing up. Your numbers stay on the device.
Backup if you want it
Turn on cloud backup only if you'd like to restore on a new phone. You can lock the app with your fingerprint.
No ads
Nobody pays to show you a loan offer here. Zeroly is for getting out of debt, not into more.