iPhone & iPad · iOS 26+
Every debt. One timeline.
A clear path to zero.
Track mortgages, auto loans and installments. See exactly when you'll be debt-free — and how prepayments get you there sooner.
Track mortgages, auto loans and installments. See exactly when you'll be debt-free — and how prepayments get you there sooner.
Total debt, paid progress and estimated payoff date at a glance, with a month-by-month repayment timeline.
Equal payment, equal principal, interest-only, flat fee and lump sum — with full principal/interest breakdown per period.
Shorten the term or reduce the monthly payment — see the impact instantly. Model rate changes over the life of a loan.
Monthly, weekly or custom schedules. Multiple loans across currencies in one place.
Data syncs through your own private iCloud via CloudKit — or stays fully on-device. Your call.
No accounts, no tracking, no ads. Your numbers never leave your control.
Questions, feedback or issues? Contact us:
We typically reply within 2 business days.
Last updated: November 14, 2026
Debt Zero does not collect any personal data. We operate no servers that receive your information, and we have no access to the data you enter.
All debts, loans, rates and payment records are stored locally on your device using system-provided storage (SwiftData).
If you enable iCloud sync in Settings, your data syncs through your own private iCloud account via Apple's CloudKit. It stays in your private CloudKit database — never transmitted to, stored on, or accessible by us.
The app contains no analytics SDKs, no tracking, and no advertising.
统一管理房贷、车贷、分期等所有债务。看清还清进度，规划提前还款。
总债务、已还进度、预计还清日期，按月还款时间线一目了然。
等额本息、等额本金、先息后本、等本等息、一次性还本付息，每期本息清晰可查。
缩短年限或减少月供，效果即时可见；支持贷款期内利率变动。
数据只存在你的设备上，可选 iCloud 同步。无账号、无跟踪、无广告。
支持邮箱：lymzhi@gmail.com（2 个工作日内回复）
本 App 不收集任何个人数据。所有数据保存在你的设备上；如开启 iCloud 同步，数据经由你自己的私有 CloudKit 账户同步，我们无法访问。不含任何分析、跟踪或广告组件。