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7-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.

One plan. Every feature. No tiers.

We don't gate features. You either have ZeroDue or you don't.

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
  • 7-day trial · no credit card required
  • Cancel anytime in two clicks
Start Free 7-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
  • United StatesYour price
    USD
    $9.99/mo
    Annual$99 · $8.25/mo
  • Switzerland
    CHF
    CHF 9.90/mo
    AnnualCHF 99 · CHF 8.25/mo

Tier 1 — Premium peers

Comparable markets. Slight discount to local-currency optics.

5–10% off
  • Eurozone
    EUR
    €8.99/mo
    Annual€89 · €7.42/mo
  • United Kingdom
    GBP
    £7.99/mo
    Annual£79 · £6.58/mo
  • Canada
    CAD
    C$12.99/mo
    AnnualC$129 · C$10.75/mo
  • Australia
    AUD
    A$14.99/mo
    AnnualA$149 · A$12.42/mo
  • Singapore
    SGD
    S$12.99/mo
    AnnualS$129 · S$10.75/mo
  • Norway
    NOK
    99 kr/mo
    Annual990 kr · 82.50 kr/mo
  • Denmark
    DKK
    65 kr/mo
    Annual649 kr · 54.08 kr/mo
  • Kuwait
    KWD
    KD 2.990/mo
    AnnualKD 29.900 · KD 2.492/mo
  • Bahrain
    BHD
    BD 3.490/mo
    AnnualBD 34.900 · BD 2.908/mo
  • Israel
    ILS
    ₪34.90/mo
    Annual₪349 · ₪29.08/mo

Tier 2 — Moderate

Established markets with strong local pricing expectations.

15–25% off
  • Japan
    JPY
    ¥980/mo
    Annual¥9,800 · ¥817/mo
  • South Korea
    KRW
    ₩9,900/mo
    Annual₩99,000 · ₩8,250/mo
  • New Zealand
    NZD
    NZ$14.99/mo
    AnnualNZ$149 · NZ$12.42/mo
  • Sweden
    SEK
    89 kr/mo
    Annual890 kr · 74.17 kr/mo
  • United Arab Emirates
    AED
    AED 29.90/mo
    AnnualAED 299 · AED 24.92/mo
  • Saudi Arabia
    SAR
    SAR 29.90/mo
    AnnualSAR 299 · SAR 24.92/mo
  • Hong Kong
    HKD
    HK$59.90/mo
    AnnualHK$599 · HK$49.92/mo
  • Czech Republic
    CZK
    179 Kč/mo
    Annual1,790 Kč · 149.17 Kč/mo

Tier 3 — Discounted

Strong middle markets. Notably lower than baseline.

30–45% off
  • Poland
    PLN
    29.90 zł/mo
    Annual299 zł · 24.92 zł/mo
  • Hungary
    HUF
    2,490 Ft/mo
    Annual24,900 Ft · 2,075 Ft/mo
  • Malaysia
    MYR
    RM 29.90/mo
    AnnualRM 299 · RM 24.92/mo
  • Thailand
    THB
    ฿249/mo
    Annual฿2,490 · ฿207.50/mo
  • Chile
    CLP
    $4,990/mo
    Annual$49,900 · $4,158/mo

Tier 4 — Deep discount

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

50–60% off
  • Brazil
    BRL
    R$29.90/mo
    AnnualR$299 · R$24.92/mo
  • Mexico
    MXN
    $89/mo
    Annual$890 · $74.17/mo
  • South Africa
    ZAR
    R89.90/mo
    AnnualR899 · R74.92/mo
  • China
    CNY
    ¥29.90/mo
    Annual¥299 · ¥24.92/mo
  • Philippines
    PHP
    ₱249/mo
    Annual₱2,490 · ₱207.50/mo
  • Turkey
    TRY
    ₺149/mo
    Annual₺1,490 · ₺124.17/mo

Tier 5 — Deepest discount

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

65–80% off
  • India
    INR
    ₹249/mo
    Annual₹2,499 · ₹208/mo
  • Indonesia
    IDR
    Rp 49,900/mo
    AnnualRp 499,000 · Rp 41,583/mo
  • Vietnam
    VND
    ₫79,000/mo
    Annual₫790,000 · ₫65,833/mo
  • Argentina
    ARS
    $2,999/mo
    Annual$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.

Annual refunds — pro-rated, no drama

Cancel an annual plan inside the first 30 days for a full refund. After that, we pro-rate the unused months and refund the balance — minus a small payment-processor fee. 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 annual subscribers get a refund?
Yes. Cancel inside the first 30 days for a full refund — no questions. After that, we pro-rate the unused months and refund the balance, less the payment-processor fee. Email support@getzerodue.com and we'll handle it within one business day.
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 7-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 7 days.

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

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