Plan
Set a debt-free target
Choose the date you want to reach zero and see the monthly path needed to get there.
Month Zero
A calmer way to get to debt free
Month Zero is a debt planning app for people who want a clear target, honest month-end projections and a simple way to see whether each repayment is moving them closer to zero.
Built for real debt progress
The first version is being designed around practical debt tracking: balances, repayments, new spending and the question that matters most each month.
Track
Log payments and new spending
Keep your balances realistic by recording repayments and new credit card spend as life happens.
Adjust
Know if you are still on course
Compare projected month-end debt with your target and spot when you need to pay more back.