Real answers, no runaround.

About 2 minutes. You pick a home currency, add one debt or income source, and you're in. You can add more later — nothing forces you to fill the whole app on day one.

No. ZeroDue is intentionally manual-entry — you type in what you owe, what you earn, and what you spend. That means no third-party data brokers, no Plaid OAuth flow, and no waiting for a feed to refresh. Adding a debt takes about 30 seconds.

That works too. The debt page can be empty; the rest of the app (income, expenses, bills, goals, net worth, cash flow) still tracks normally. Many users start debt-free and use ZeroDue to stay that way.

From the dashboard, go to Debts → Add Debt and enter the name, current balance, APR, minimum monthly payment, and due date. Your projected debt-free date appears immediately and updates whenever you log a payment.

Yes — debts, expenses, income, and credit cards all support CSV import. Use the Import button on each page; the parser handles common column layouts and shows a preview before anything is saved.

One simple plan, everything included — no feature tiers, no upsells, no "Pro". $9.99/mo (or $99/yr — about 17% off, roughly two months free) covers unlimited debts, goals, credit cards, projections, and email reminders. We picked a price that pays for the infra and the team without needing ads or data sales.

Monthly ($9.99) if you want to try it for a few months and stay flexible. Annual ($99) if you know you'll use it for the long haul — that's roughly a 17% discount. Both unlock the same features.

Nothing bad. There's no card on file unless you put one there, so cancelling inside the 7-day trial costs you nothing. Your data is preserved for 30 days in case you change your mind, then deleted.

Yes. Cancel within 30 days of a charge for a full refund — no questions asked. After that, annual plans are pro-rated for the unused full months (less the payment-processor fee). Email support@getzerodue.com and we'll handle it within one business day.

We support 35 currencies with hand-picked local pricing — not raw FX conversion. Pricing is adjusted by region so it stays reasonable in places where $9.99USD doesn't translate sensibly. You'll see the price in your home currency on the pricing page.

It's a month-by-month amortization simulation. We take each debt's balance, APR, and minimum payment, apply your chosen strategy (avalanche or snowball), roll any freed-up minimums into the next debt, and project forward until every balance hits zero. Extra payments and one-off lump sums plug straight into the same engine — the date updates instantly.

Avalanche (highest APR first) saves the most interest mathematically — usually the best choice if rates vary widely. Snowball (smallest balance first) gives you a quick win and keeps morale high — often the better pick if motivation is the bottleneck. ZeroDue shows both side-by-side on the Debt Freedom page so you can pick with eyes open.

A composite of six weighted factors: income stability, expense control (do you spend less than you earn?), debt management (which includes your on-time payment history), savings rate, an emergency-fund buffer, and goal progress. Each factor is scored individually and combined — weighted — into a 0–100 number. Hover any factor in the breakdown to see exactly what's driving it up or down.

A side simulation that doesn't touch your real data. Try things like "if I pay an extra $200/month" or "if I get a 10% raise" or "if I throw a $2,000tax refund at my highest-APR debt." The Projections page shows how the scenario shifts your debt-free date, total interest paid, and net worth at horizon — all without committing.

Yes. Outstanding credit-card balances roll into your total debt and feed the same payoff projection as loans. The Credit Cards page additionally tracks utilization (balance ÷ limit) — keeping it under 30% is the conventional rule of thumb for credit health.

On managed PostgreSQL servers in the EU/US (depending on your region). Each account lives in an isolated workspace — queries are tenant-scoped at the database layer so no other user can see your data, ever. We don't sell, share, or use it to train anything.

Yes — encrypted at rest by our managed database provider, and TLS 1.3 in transit. Two-factor secrets are additionally AES-encrypted with a per-environment key. We never store credit-card numbers; payment processing is handled by Stripe (PCI-DSS Level 1).

Yes. Settings → Data & Privacy → Exportdownloads everything — debts, income, expenses, goals, bills, credit cards — as JSON. Export is available to all users, trial or paid, and there's no limit on how often you can do it. You own your data.

Yes — and you choose how, from Settings → Data & Privacy. Close account removes your name and email immediately, cancels billing, and keeps only anonymised financial records for the legal retention window. Erase all my data — the GDPR right to erasure — permanently and irreversibly deletes everything, including your payment profile. We recommend exporting first. No dark patterns — one confirmation phrase each.

First, double-check the email address and try resetting your password. If 2FA is enabled and your authenticator app is unavailable, use a recovery code from when you set up 2FA. If you're still stuck after both, email support@getzerodue.com from the address on the account and we'll help recover it.

The most common cause is a debt entered in the wrong currency or a missing minimum payment. Open the debt in question and verify the balance, APR (annual, not monthly), and minimum. If it still looks off, the projections page shows the exact month-by-month breakdown so you can pinpoint where the number diverges. If you genuinely think there's a bug, email us with a screenshot and we'll dig in.

Try a hard refresh first (Ctrl/Cmd + Shift + R). If you've been logged in for a long time the session may have expired — log out and back in. Browser extensions (especially aggressive ad-blockers) can also block the API; try an incognito window to isolate. If the issue persists across browsers, our status page or a quick email will tell you whether it's an outage on our side.

Stripe couldn't charge your card — usually expired card, insufficient funds, or a bank fraud-flag on the renewal. Settings → Subscription → Update Payment Method opens the Stripe portal where you can fix the card. Stripe automatically retries charges over the following days. Until it succeeds, the account is read-only but no data is lost.

Email support@getzerodue.com. We aim to reply within 24 hours; subscribers usually hear back within 4. There's no chatbot in the loop — every reply is a real human.