Glide Zero: Debt Payoff Plan

Pradeep Palaka

In-app purchases

About this app

Glide Zero turns a pile of loans into one number and one date.

Type in what you owe — balance, interest rate, minimum payment — and the app works out which debt to attack first, the month the last one clears, and what the interest will cost you along the way. No bank login, no account linking, no ads.

BUILT FOR THE DEBT PEOPLE ACTUALLY HAVE

• Loans with an EMI — the instalment, how many are left, and whether early payoff is even allowed
• Monthly interest-only private loans, where the balance never moves unless you make it move
• Interest-free money borrowed from a friend or family, with the date you promised to return it
• Anything else with a balance, a rate and a minimum

THREE WAYS TO CLEAR IT

• Snowball — smallest balance first, for the momentum
• Avalanche — highest rate first, for the lowest total interest
• By date — the soonest promise first, so you keep your word

Switch between them and the payoff date, the order and the total interest all move with you. Glide Zero tells you outright which one is cheapest and by how much — including when the one you are on is already the right answer.

ASK "WHAT IF" BEFORE YOU COMMIT

Put another ₹2,000 a month against the plan and see what it buys: how many months earlier you finish, and how much interest you never pay. If a debt has a deadline you promised to keep, the app works out the monthly amount that actually keeps it.

WHAT'S FREE

Unlimited debts. All three strategies. The full side-by-side comparison, the payoff order, your debt-free date, and the interest ahead of you. That is the whole calculator, and it stays free — no debt limit, no ads, no trial clock.

WHAT PREMIUM ADDS

• Month by month, to the rupee — who gets paid, how much, and what is left after
• A log of what you actually paid, tracked against what the plan expected, so you can see the drift early
• Export a spreadsheet with live formulas — change a balance in Excel, Numbers or Sheets and everything recalculates — or a printable statement of the whole plan

₹179 a month or ₹1,199 a year. Cancel any time from your phone's subscription settings.

PRIVATE BY DEFAULT

Glide Zero never asks for a bank login and cannot connect to your accounts. There is nothing to scrape and nothing to sell. You type your debts in, and they are stored so the app can show them back to you — that is the entire product.

No third-party analytics. No crash-reporting SDK. No advertising identifiers. Your email address is collected for sign-in. The app also notes when a few features get used — a debt added, a payment logged, a premium screen opened — so it is clear what is worth improving; that record stays in the app's own database and is never sold or shared. Payment is handled entirely by Google Play; the app never sees a card number. Ask, and every row tied to your account is deleted.

Amounts are in rupees, with lakh and crore grouping.

Privacy policy: https://glidezero.vercel.app/privacy
Terms: https://glidezero.vercel.app/terms
Support: [e-mail]

What’s new

• You'll need to sign in once after this update
• Faster, more reliable email confirmation and password reset links