Debt is a question with a date for an answer.
Most tools never tell you the date. They show charts, categories, and streaks — and leave the actual finish line as a vibe. We built ZeroDue to do the opposite: put a real month and year on the calendar, and make every payment feel like it's pulling that date closer.
What we believe.
Four convictions that shape every decision.
Debt freedom is a date, not a feeling.
“Doing better” isn't a destination. A specific month and year is. Every screen in ZeroDue orbits that date — what it is today, and what would move it sooner. If a feature can't justify itself against that question, it doesn't ship.
Single-currency simplicity, intentional.
Each workspace locks to one home currency at sign-up. No FX gymnastics, no surprise conversions on a payoff chart. We support 35 currencies — but only one per account, on purpose. Clarity beats flexibility when the question is “when am I out?”
No ad trackers. Your finances aren’t a marketing signal.
We don't sell, share, or train models on your data. There are no third-party ad pixels on this site or in the app. Your data lives in an isolated workspace, encrypted at rest, behind JWT auth, 2FA, and brute-force throttling. We'd rather earn $9.99/month than rent you out for pennies.
Boring math, dressed as a game.
Under the hood, ZeroDue is a deterministic amortization simulator — the same math an accountant would do, run hundreds of times. On top of it sits streaks, milestones, and a debt-free date that visibly moves. The math is honest. The interface just refuses to be depressing about it.
How we build.
Three product principles, applied without exception.
Honest > flowery
Plain language, no hype.
If a feature isn't here yet, we say so. If a number is an estimate, we label it. Marketing tone shouldn't out-promise the product — it shouldn't have to.
Boring math, reliable
Deterministic, auditable, simulator-driven.
Avalanche, snowball, custom — the math is identical to what you'd do on paper, just run a thousand times in milliseconds. No black-box AI deciding your payoff plan behind your back.
A game layer that respects you
Streaks and badges that earn their place.
Every gamification element ties back to a real financial action. No fake currencies, no engagement traps, no streaks that punish you for taking a sick day. Win the math, get the win.
What we don't do.
Just as load-bearing as the feature list.
We don’t sell your data.
Not to advertisers, not to data brokers, not to “research partners.” Subscription revenue is the entire business model.
We don’t show ads.
No banners, no sponsored debts, no affiliate nudges to refinance with someone we get a kickback from.
We don’t lock features behind tiers.
One subscription, every feature included. No “Pro” badge dangling over the strategy that would actually save you the most.
We don’t claim AI does the math.
The payoff engine is a deterministic simulator — the same arithmetic, every time, auditable. If we ever ship an AI feature, it’ll be labelled, optional, and never the thing computing your finish line.
We don’t shame you.
No red “you spent too much” banners, no guilt-trip empty states. Debt is hard enough without your software piling on.