14-day free trial · no credit card

One plan. Every feature.
Priced for your wallet.

No tiers, no upsells, no "premium" gating the simulator. Pick monthly or save ~17% with annual — every feature ships either way.

Full Access

$9.99/mo

Priced for your wallet · all 35 currencies in app

Every feature included — no tiers
Avalanche, snowball & hybrid strategies
Achievements, streaks & milestones
Multi-currency, PPP-adjusted globally
14-day trial · no credit card required
Cancel anytime in two clicks

Start Free 14-Day Trial

No credit card. Cancel anytime. Trial converts to paid only if you say so.

35 currencies · PPP-adjusted

Priced for your wallet, not a conversion table.

Every market gets a hand-set price — not a daily FX rate. Find your country below; that's exactly what you'll pay.

Tier 0 — Baseline

Highest-income markets. The reference price.

Reference

Region	Currency	Monthly	Annual	Annual / mo
United StatesYour price	USD	$9.99	$99	$8.25/mo
Switzerland	CHF	CHF 9.90	CHF 99	CHF 8.25/mo

Tier 1 — Premium peers

Comparable markets. Slight discount to local-currency optics.

5–10% off

Region	Currency	Monthly	Annual	Annual / mo
Eurozone	EUR	€8.99	€89	€7.42/mo
United Kingdom	GBP	£7.99	£79	£6.58/mo
Canada	CAD	C$12.99	C$129	C$10.75/mo
Australia	AUD	A$14.99	A$149	A$12.42/mo
Singapore	SGD	S$12.99	S$129	S$10.75/mo
Norway	NOK	99 kr	990 kr	82.50 kr/mo
Denmark	DKK	65 kr	649 kr	54.08 kr/mo
Kuwait	KWD	KD 2.990	KD 29.900	KD 2.492/mo
Bahrain	BHD	BD 3.490	BD 34.900	BD 2.908/mo
Israel	ILS	₪34.90	₪349	₪29.08/mo

Tier 2 — Moderate

Established markets with strong local pricing expectations.

15–25% off

Region	Currency	Monthly	Annual	Annual / mo
Japan	JPY	¥980	¥9,800	¥817/mo
South Korea	KRW	₩9,900	₩99,000	₩8,250/mo
New Zealand	NZD	NZ$14.99	NZ$149	NZ$12.42/mo
Sweden	SEK	89 kr	890 kr	74.17 kr/mo
United Arab Emirates	AED	AED 29.90	AED 299	AED 24.92/mo
Saudi Arabia	SAR	SAR 29.90	SAR 299	SAR 24.92/mo
Hong Kong	HKD	HK$59.90	HK$599	HK$49.92/mo
Czech Republic	CZK	179 Kč	1,790 Kč	149.17 Kč/mo

Tier 3 — Discounted

Strong middle markets. Notably lower than baseline.

30–45% off

Region	Currency	Monthly	Annual	Annual / mo
Poland	PLN	29.90 zł	299 zł	24.92 zł/mo
Hungary	HUF	2,490 Ft	24,900 Ft	2,075 Ft/mo
Malaysia	MYR	RM 29.90	RM 299	RM 24.92/mo
Thailand	THB	฿249	฿2,490	฿207.50/mo
Chile	CLP	$4,990	$49,900	$4,158/mo

Tier 4 — Deep discount

Emerging markets. Half-price (or better) than baseline.

50–60% off

Region	Currency	Monthly	Annual	Annual / mo
Brazil	BRL	R$29.90	R$299	R$24.92/mo
Mexico	MXN	$89	$890	$74.17/mo
South Africa	ZAR	R89.90	R899	R74.92/mo
China	CNY	¥29.90	¥299	¥24.92/mo
Philippines	PHP	₱249	₱2,490	₱207.50/mo
Turkey	TRY	₺149	₺1,490	₺124.17/mo

Tier 5 — Deepest discount

Lowest tier — the price you can sustain on a starter income.

65–80% off

Region	Currency	Monthly	Annual	Annual / mo
India	INR	₹249	₹2,499	₹208/mo
Indonesia	IDR	Rp 49,900	Rp 499,000	Rp 41,583/mo
Vietnam	VND	₫79,000	₫790,000	₫65,833/mo
Argentina	ARS	$2,999	$29,990	$2,499/mo

Your home currency is locked at signup and matches the local price above. We don't convert — you pay the listed amount. Tax and VAT are added at checkout where applicable.

Annual or monthly? Here's the math.

We bill annual at ~17% off — that's two months free. But honesty first: it's not always the right call.

Reference math · USD

How $99/year saves you ~$21

Monthly × 12

$119.88

$9.99 × 12 months

Annual upfront

$99

paid once

You keep

$20.88

≈ 2.1 months free

$119.88 − $99 = $20.88·17.4% saved·$8.25/mo effective

Annual makes sense if…

You're past the trial and confident this is your tool
Your debt-payoff plan stretches more than a year
You'd rather not see another charge for 12 months
You want the cheapest possible per-month rate (~$8.25/mo)

Switch billing cadence anytime in Settings.

Stick with monthly if…

You're still trialing or sampling alternatives
Cash is tight this month — the upfront sting matters
You expect to be debt-free in under 90 days (you don't need 12 months)
You'd rather pay $9.99 and re-evaluate every 30 days

Switch billing cadence anytime in Settings.

Cancel anytime — no surprise charges

Try everything free for 14 daysbefore you pay — that's the evaluation window, because charges are non-refundable once billed. Cancel anytime from Settings → Subscription: future charges stop, and your paid access (monthly or annual) runs until the end of the period you've already paid for. No interrogation, no exit survey.

One plan · Everything included

What you actually get.

No "starter" tier missing the simulator. No "premium" upsell for the calendar. Every feature ships with every account.

Track

See every dollar in, out, and owed — without the spreadsheet.

Unlimited debts & credit cards (no row limits)
Income & expense tracking with category analytics
Net worth tracker — assets and liabilities
Cash flow planning with payment calendar
Multi-currency support across 35 currencies

Plan

Run the math. Compare strategies. Find the move that actually works.

Avalanche, snowball & hybrid strategy comparison
What-if simulators — lump sum & income boost
Budget tracking with over-budget warnings
Goals with surplus-allocation wizard
Recovery Coach with emotional check-ins

Win

Stay motivated past month three — when most plans quietly die.

XP, streaks & achievement system
Health Score with trends and history
Debt Freedom calculator + shareable milestone cards
Export & import your data anytime (JSON, CSV)
Priority email support

Browse every feature in detail

Pricing questions, answered straight.

The stuff we'd want to know before signing up.

What happens if I cancel?

Cancel from Settings → Subscription in two clicks. You keep full access until the end of your current billing period — monthly or annual. After that, the workspace becomes read-only: every number is still there, you just can't add new entries. Resubscribe anytime to unlock writes again.

Do you offer refunds?

No — charges are non-refundable. The 14-day free trial is your evaluation window: no credit card required, every feature unlocked, so you can decide before paying anything. You can cancel anytime from Settings → Subscription — cancelling stops future charges, and your paid access continues until the end of the current billing period. Billing questions? Email support@getzerodue.com.

Why no free tier?

Free tiers force one of two compromises: gate the simulator (so it can't actually answer "when am I out?"), or run on ads and data sales. Both make the product worse. A 14-day trial with no credit card is our free tier — long enough to see your debt-free date and try every feature.

Why this price for my country?

We set local prices by purchasing-power parity, not daily FX rates. So India is ₹249/mo (not the FX-converted ~$3), Brazil is R$29.90, and the UK is £7.99 — each priced for what a quality finance tool actually costs in that market. We pick the country shown to you from your account region; that's locked at signup so the price never moves on you.

Will my price increase later?

If we ever raise prices for new signups, existing subscribers are grandfathered at the price you signed up with — for as long as your subscription stays active. We'd email you 30 days before any change, but the only direction we expect to move is more features at the same price.

Do you charge tax / VAT / GST on top?

Local tax is added at checkout where required by law (EU VAT, UK VAT, India GST, etc.) and shown on the invoice. The headline prices on this page are pre-tax. Most US states follow Stripe Tax for our category — you'll see the line item at checkout if it applies.

Anything else? Email support@getzerodue.com — a real human reads every message.

Try every feature for 14 days.

No credit card required. Subscribe only if it's earned its place.

14-day free trialNo credit cardAES-256 encryptionCancel anytime

Curious what each feature actually does? Browse the features page →

One plan. Every feature.Priced for your wallet.

Priced for your wallet, not a conversion table.

Tier 0 — Baseline

Tier 1 — Premium peers

Tier 2 — Moderate

Tier 3 — Discounted

Tier 4 — Deep discount

Tier 5 — Deepest discount

Annual or monthly? Here's the math.

How $99/year saves you ~$21

Annual makes sense if…

Stick with monthly if…

Cancel anytime — no surprise charges

What you actually get.

Track

Plan

Win

Pricing questions, answered straight.

Try every feature for 14 days.

Priced for your wallet, not a conversion table.

Tier 0 — Baseline

Tier 1 — Premium peers

Tier 2 — Moderate

Tier 3 — Discounted

Tier 4 — Deep discount

Tier 5 — Deepest discount

Annual or monthly? Here's the math.

How $99/year saves you ~$21

Annual makes sense if…

Stick with monthly if…

Cancel anytime — no surprise charges

What you actually get.

Track

Plan

Win

Pricing questions, answered straight.

One plan. Every feature.
Priced for your wallet.