Pick the day your debt ends.
ZeroDay turns every credit card and loan you have into one clear plan, with a real date at the end of it, and reminds you the day each bill is due.
7 days free, then $19.99 a month. No bank login required. Cancel anytime.
You'd be debt-free in
No bank passwords, ever
Reads your statements for you
Cards, loans, and your mortgage
Due-date reminders on your phone
The minimum payment is designed to keep you paying.
Card minimums shrink as your balance shrinks, so most of every payment goes to interest. Here’s the balance from the calculator above, both ways.
Paying only the minimum
With a ZeroDay plan
Minimum modeled as 1% of the balance plus that month’s interest, at least $25, which is how many major US card issuers calculate it. Your card’s formula is printed on your statement.
From a pile of statements to a finish line
Add what you owe
Upload a statement and ZeroDay reads the balance, rate, minimum, and due date. Add your other bills once. It takes a few minutes.
Choose how to attack it
Compare paying the highest rate first against clearing the smallest balances first, in dollars and months, side by side.
Follow the plan to zero
Every month you see exactly what to pay on each account. Log payments and watch your date move closer.
Everything you owe, in one plan that adds up
Drop in a statement. We’ll do the typing.
Upload the PDF from your bank’s website or a photo of the first page. ZeroDay pulls out the numbers that matter and you check them before anything is saved.
- Credit cards, personal, student, and auto loans, HELOCs, and mortgages
- Catches 0% promo rates and when they expire
- Recognizes a card you already added and updates it
Know exactly what to pay on every card, every month.
Your extra money goes to one focus debt at a time. When it’s gone, its payment rolls into the next one and your payoff speeds up. ZeroDay compares both methods on your real debts and tells you which one fits you.
- Avalanche saves the most interest
- Snowball gives you quick wins
- A clear recommendation, based on your numbers and what matters to you
Try an idea before you commit to it.
Should you take the 0% balance transfer? Consolidate into one loan? Throw your tax refund at it? Scenarios show the new finish date and what you’d save, fees included.
Take years off your mortgage.
See what an extra $200 a month, biweekly payments, or a one-time payment does to your payoff date. Find out when PMI drops off, and whether a refinance actually pays for itself.
Every bill in one list. A reminder the morning it’s due.
Add each bill once: what it is, how much, the day it’s due, where you pay it, and whether it’s on autopay. Your cards, loans, and mortgage are already there. At 8 a.m. on the due date, ZeroDay sends a notification with exactly what to pay.
- Tap Pay to open the payment site, then check it off
- Every bill flows into your budget automatically
- List or calendar view, with what’s still left this month
- Fewer late fees, fewer missed payments on your credit report
Budget
Income and spending in one place, with your bills and debt payments filled in for you. See what’s really left each month.
Goals
“Debt-free by 2029.” ZeroDay tells you if you’re on track, and the exact monthly amount if you’re not.
Reports
Progress since you started, what each debt costs you in interest, and your plan year by year. Export to CSV.
An app on your phone
Add ZeroDay to your home screen in two taps. No app store, and it works on iPhone and Android.
One plan. Everything included.
No tiers to compare and no upsells. Try every feature free for 7 days, then one monthly price.
At 24% APR, one month of interest on $1,000 of card debt is $20. ZeroDay costs less than that, and the plan it builds saves far more.
7 days free, then
$19.99 / month
- Unlimited cards, loans, and mortgages
- Statement upload that reads the numbers for you
- Avalanche and Snowball payoff plans
- Scenarios: balance transfers, consolidation, lump sums
- Mortgage payoff and refinance calculator
- Bills to pay with a calendar and due-date reminders
- Budget, goals, and reports with CSV export
No charge for 7 days. Cancel before the trial ends and you pay nothing. Prices in US dollars.
Questions
Do I have to connect my bank account?
No. ZeroDay never asks for your bank username or password. You add your debts by uploading a statement or typing in a few numbers.
What happens to the statements I upload?
We read the file to pull out the balance, rate, minimum payment, and due date, then show them to you to confirm. The file itself isn’t kept after it’s read.
What’s the difference between Avalanche and Snowball?
Avalanche sends your extra money to the debt with the highest interest rate first, which costs the least overall. Snowball goes after the smallest balance first, so you close accounts sooner. ZeroDay runs both on your actual debts, shows the difference in dollars and months, and recommends the one that makes more sense for you.
Does it work for student loans, car loans, and my mortgage?
Yes. Cards and loans go into your payoff plan. Your mortgage gets its own tools: extra payments, biweekly payments, PMI removal, and a refinance check.
How does the free trial work?
You get full access for 7 days. We ask for a card when you start so there’s no interruption, but you aren’t charged until the trial ends. Cancel from your account before then and you pay nothing. The trial is for first-time subscribers.
Is there a phone app?
Yes. Open app.gozeroday.com on your phone and add it to your home screen: on iPhone, tap Share in Safari and then Add to Home Screen; on Android, tap Install app in Chrome. It opens like any other app, and once you allow notifications you’ll get a reminder the morning each bill is due.
Can I cancel anytime?
Yes. Cancel from your account whenever you want and you won’t be charged again.
Is ZeroDay financial advice?
No. ZeroDay is a planning tool that does the math on the numbers you give it. For decisions like bankruptcy, debt settlement, or tax questions, talk to a qualified professional.