Pick a date to be debt-free.
The difference between paying minimums and paying with a plan is usually years and thousands in interest. Zero shows the date, the number, and exactly which debt gets the extra money each month.
WHAT IT DOES
- Any number of debts with balance, APR and minimum
- Avalanche, snowball or minimums only; extra per month; one-off lump sum; start month
- Debt-free month, total interest, interest saved versus minimums only
- Balance curve with every payoff marked, against the minimums-only line
- Payoff order with interest paid per debt and the month it disappears
- Three strategies compared: months, interest, first win
- Plain-English advice on which to pick, and what another $100 a month would do
- Month-by-month schedule: payment per debt, interest, remaining balance
- Progress: log real payments, average per month against the plan, months on plan
- Five currencies, backup and restore
This is a planning tool, not financial advice.
Who it's for
Anyone with more than one debt who wants a real plan instead of a vague intention.
What you get
- Zero (one .html file, runs in your browser, offline)
- A 2-page quick-start guide
Good to know
- One file. No install, no account, no subscription, no internet needed after download.
- Your data stays on your computer. Export a backup any time; import it on another machine.
- Built for a computer screen: Windows or Mac, in Chrome, Edge, Safari or Firefox.
- Instant download.
What's inside the download
- Zero.html
- Quick-Start-Guide.pdf
Made by Matthew Busel, a one-person studio in Tuckahoe, NY. About me. Questions: support@tensorust.com.
Money and business
Zero
debt payoff planner: avalanche or snowball, a debt-free date, interest saved, month-by-month schedule, and a log of what you actually paid
Enter every debt with balance, APR and minimum. Pick avalanche, snowball or minimums only, add your extra per month and any lump sum. Zero gives the debt-free month, total interest, the payoff order with dates, a balance curve against minimums-only, and a side-by-side of all three strategies. The schedule tab is every month's payment per debt. Progress logs real payments against the plan.
Works or I fix it. If a file doesn't open or work as described, email support@tensorust.com within 30 days and I fix it or send a working copy. All sales are final, so check the screenshots or ask first.
- Updated
- Oct 2026
- File
- ZIP, 273 KB: 1 HTML app, 1 PDF
- Who it's for
- Anyone with more than one debt who wants a real plan instead of a vague intention.
One-time price in US dollars, checkout by Stripe. After paying you land on a page with your download link. Each link works for 15 minutes, and reopening that page makes fresh ones.
- Zero-Debt-Payoff-Planner.zip