Debt Zero

Debt Zero

In-app purchases

About this app

Take control of your personal finances with DebtZero – the ultimate debt payoff planner, payday budgeter, and wealth-building assistant.

DebtZero gives you a complete, clear blueprint to eliminate debt faster, optimize your income, and build lasting financial freedom using proven strategies like Debt Snowball and Debt Avalanche.

KEY FEATURES: • PAYDAY & BUDGET PLANNER: Seamlessly allocate your income, track recurring bills, and calculate your safe-to-spend cash every single payday. • DEBT PAYOFF ENGINE: Compare Debt Snowball vs. Debt Avalanche strategies to see your exact "Debt Zero" date and total interest saved. • WINDFALL SIMULATOR: Instantly model how lump-sum payments, tax refunds, or work bonuses accelerate your payoff timeline. • AI FINANCIAL ADVISOR: Receive personalized financial guidance powered by Google Gemini AI tailored to your unique financial situation. • CLOUD & OFFLINE SYNC: Your data stays encrypted and accessible across all your devices using secure Firebase Cloud Sync. • PRIVACY FIRST: No bank connections required. You maintain 100% ownership and control over your financial data.

What’s new

• Improved synchronization between the Home Screen Widget, Payday Planner, and Dashboard Detailed Cards.
• Marking bills as paid from the widget now immediately updates payment history and progress graphs.
• Enhanced bill reminder notification scheduling and reliability.
• Performance and stability improvements.