Every tool, deeply explained.
A single plan. Eight serious tools. This page walks through each one — how it works, why it matters, and what you'll see in the app.
Jump straight to the first feature ↓Debt-Free Date Calculator
The hero feature. Punch in your debts and see the projected month you'll be free — plus the avalanche and snowball strategies side-by-side.
- Compare avalanche (highest APR first) vs snowball (smallest balance first) on the same screen.
- Stall detection: flags debts that grow under their minimum payment so you know to act.
- Interest savings calculated against your current minimum-only path — see what optimization is worth.
- Re-runs instantly when you add a debt, raise a payment, or change a strategy.
A specific date you can circle on a calendar beats a vague hope every single time. Knowing March 2030 means you can plan around it. Knowing 'someday' means you don't.
Smart Dashboard
One screen. Income, expenses, total debt, net worth, cash flow trend, and the bills due this week — laid out in the order you actually look at them.
- KPI tiles for income, expenses, debt and net worth — all in your home currency.
- 30-day cash-flow chart so you can see whether the trend is right.
- Upcoming bills and recent payments inline — no extra clicks to find them.
- Insights cache refreshes every 10 seconds so numbers feel live, not stale.
Most finance apps bury the answer to 'how am I doing?' under three menus. The dashboard puts it on the front page so you'll actually open the app tomorrow.
Financial Health Score
A 0–100 score backed by six weighted factors — income stability, expense control, debt management, savings rate, an emergency-fund buffer, and goal progress — with the specific tips that move it.
- Six weighted factors (income 20%, expenses 20%, debt 20%, savings 20%, goals 15%, emergency fund 5%) combine into one transparent number.
- Credit-card balances count toward debt — no hiding revolving debt to inflate the number.
- Specific, actionable tips: "raise savings rate from 8% → 12% to add 6 points".
- Calculated server-side from your real data — no surveys, no self-rating.
One score gives you a finish line for 'getting your finances in order'. Six sub-scores tell you exactly which lever to pull next. Generic advice gets ignored — yours won't.
Achievements & Streaks
XP, badges, daily streaks, and milestone celebrations. Debt payoff is a multi-year slog — gamification keeps you opening the app on month 19.
- Earn badges for "First $5K Crushed", "30-Day Streak", "No-Spend Week", "On-Time Hero", and 20+ more.
- Daily streaks reward consistency — check in, log a transaction, keep the flame alive.
- Shareable milestone cards: post your "$10K paid off" win to friends with a single tap.
- XP and level system give long-term identity to the journey.
The reason most people quit a debt plan isn't math — it's morale. Streaks and badges are a tiny psychological trick that makes 36 months of discipline feel rewarded weekly, not annually.
Credit Card Tracker
Track every card: balance, limit, utilization, APR, statement date, due date, minimum due. Built specifically for the way credit cards actually behave — not as 'just another debt'.
- Per-card utilization bars with colour thresholds: green < 30%, amber 30–50%, red > 50%.
- Total utilization across all cards shown at the top — credit-score relevant.
- 0% APR promo periods supported, with end dates flagged before the rate jumps.
- Minimum-due floors are currency-aware so $25 USD ≠ ¥25 JPY ≠ ₹25 INR.
Credit cards are where most people accidentally stay in debt — the minimum payment makes balances feel manageable while interest quietly compounds. Seeing utilization and APR side-by-side breaks that illusion.
What-If Scenarios
The unified scenario builder. Bump your monthly payment, drop a windfall, change strategies — and watch your debt-free date, total interest paid, and net worth at horizon all update live.
- Adjust an extra monthly payment, a one-time lump sum, or your monthly income — and recalculate instantly.
- Live recalculation of your debt-free date, total interest paid, and net worth at horizon.
- See how each change shifts your debt-free date against your current baseline.
- Nothing is saved unless you choose to — experiment freely without touching your real plan.
The single most motivating sentence in personal finance is: 'an extra $200 a month would save you $3,420 and 14 months.' You need to feel that math, not be told about it.
Payment Calendar
Every bill, every credit-card minimum, every recurring expense — colour-coded on a single calendar. Plus optional email reminders so you don't have to remember to look.
- Calendar view + agenda list, both filtered to your tenant timezone.
- Colour codes by type: rent/utilities/cards/loans — see your money rhythm at a glance.
- Optional email reminders ahead of each due date, sent by the worker on your tenant timezone.
- Bulk CSV import for debts, income and credit cards — add many rows at once instead of typing each.
A single late fee can cost more than a month of the subscription. The calendar exists so the only debt you're paying down is principal — not penalties for forgetting.
35 Currencies, Hand-Tuned Pricing
ZeroDue ships in 35 currencies with PPP-adjusted prices in 5 tiers — so an engineer in Mumbai isn't paying the same as one in Zurich. All maths and reports stay in your home currency.
- Pick your home currency at registration — locked in for clean reporting forever after.
- Currency-aware decimals: ¥ has 0, KWD/BHD have 3, the rest have 2. No off-by-100 bugs.
- 5-tier PPP pricing: T0 (USD/CHF) baseline → T5 (INR/IDR/VND) ~75% off — hand-curated, not raw FX.
- Locale-aware formatting throughout: dates, numbers and symbols all match your region.
Personal finance is personal. Forcing every user into USD or charging Geneva prices in Karachi is how SaaS leaves most of the world behind. We chose not to.
Every feature. One plan.
No tiers. No paywalls inside the product. Start the free 7-day trial and use the whole thing.
Start your free 7-day trial