Pick the day your debt ends.
ZeroDay turns your credit cards and loans into one clear payoff plan, with a real date at the end of it. No guessing which card to pay first, no paying interest longer than you have to.
You’d be debt-free in
August 2029
34 months, with $3,158 paid in interest.
Paying $100 more each month gets you there in October 2028 and saves $937.
From a pile of statements to a finish line
- 1
List what you owe
Add each credit card and loan with its balance, interest rate, and minimum payment. It takes about five minutes.
- 2
Pick how to attack it
Compare paying the highest interest first against clearing the smallest balances first, side by side, in dollars and months.
- 3
Follow the plan to zero
Each month ZeroDay tells you exactly how much to pay on every account. Log payments and watch your date move closer.
Two proven ways out. You choose.
Avalanche
Highest interest rate first
Every extra dollar goes to the debt charging you the most. It’s the cheapest route mathematically, and usually the fastest. Best if you’re motivated by the total you save.
Snowball
Smallest balance first
Knock out the smallest balances early so you close accounts fast and free up their payments. It can cost a little more in interest, but the quick wins keep a lot of people going.
Your Zero Day is already on the calendar. Let’s find it.
Create free account