14-day free trial · No credit card required

The day your debt hits zero.

Track every card and loan in one place. Connect your bank with one click. Get a payoff plan that actually shortens the timeline — and an AI coach that knows your real numbers, not generic tips.

Start your free trial →See how it works
$24k
Avg. interest saved per user
3.2yr
Avg. payoff acceleration
12,000+
Banks supported
$0
Down to zero. That's the goal.

Most people throw money at credit cards
and stay in debt longer than they should.

You're paying interest on top of interest. Your bank doesn't tell you which card to attack first. Generic budgeting apps stop at "spend less on coffee." ZeroDay does the math, watches your real balances, and tells you the next move.

01

You don't know which card to pay first

Snowball or Avalanche? It depends on your balances and APRs — and it changes month to month.

02

You're losing track of due dates

Late fees + APR penalties compound silently. One missed cycle can cost you a year of progress.

03

You can't see the finish line

"Eventually" isn't motivating. A specific date — locked to your real budget — is.

What you get

Three engines, working together.

No spreadsheets. No manual tracking. No vague advice. Just a system that runs your payoff plan.

Bank Sync · Plaid

Connect your bank in 30 seconds. Numbers stay live.

Link your credit cards and loans through Plaid — the same system used by Robinhood, Venmo, and Chime. Your credentials never touch our servers.

  • Real-time balances, APR, minimum payment, and next due date
  • Auto-detected payments — no manual logging
  • Works with 12,000+ banks across the US
  • Read-only access. We can't move money.
Connected Accounts
Chase Freedom
Synced 2 min ago · 22.99% APR
$4,238
Amex Gold
Synced 2 min ago · 19.99% APR
$7,802
Wells Fargo Auto
Synced 2 min ago · 6.20% APR
$12,500
Payoff Engine

The math you'd never sit down and do.

Snowball or Avalanche, on-demand recalc as balances change, month-by-month schedule of every payment for every card. We even tell you the exact dollar amount of interest you'll save vs. minimum payments.

  • Snowball (smallest balance first) for momentum
  • Avalanche (highest APR first) for max savings
  • What-if simulator: "+$200/mo would shave 14 months"
  • Lump sum simulator for tax refunds & bonuses
PAYOFF SUMMARY
3y 4m
Months to Zero
$3,847
Total Interest
$8,420
Saved vs Mins
Capital One
4mo
Amex Gold
11mo
Chase Freedom
1y 8m
Wells Fargo
3y 4m
AI Coach

An advisor who actually sees your numbers.

Powered by Claude. Knows your balances, APRs, budget, and strategy — and answers like a human financial coach who's read your file before the meeting. No generic tips. Specific dollar amounts, real card names, real timeline.

  • "Should I pay Chase or Amex first?" → Specific answer based on your numbers
  • "What if I add $500 this month?" → Exact months saved + interest avoided
  • "How do I cut $300 from my budget?" → Looks at your actual spending
  • Streaming responses — instant feel
AI
ZeroDay Coach
● Online · Context-aware
Pay your Capital One first — it's at 24.99% APR, your highest. Throw the extra $200 there. You'll clear it in 4 months instead of 11, and avoid $340 in interest.
What if I get a tax refund? Where should it go?
Same answer — Capital One. A $2,000 lump sum there saves you another $487 in interest. After it's paid off, roll into Chase Freedom (next highest APR).
How it works

From signup to plan in under five minutes.

01

Connect your bank or add cards

Link your accounts through Plaid for automatic sync, or punch them in manually. Either way takes about a minute.

02

Set your monthly budget

Tell us how much you can put toward debt each month. We do the math instantly — payoff date, total interest, savings vs. minimums.

03

Follow the plan, hit zero

Get reminders before due dates, weekly summaries, and an AI coach when you have questions. Watch your debt drop to $0.

Built in

Everything you need. Nothing you don't.

Goals

Set targets — pay off Chase by Dec, hit total debt-free by 2028 — and watch the progress bar move with every payment.

Charts & Reports

Debt over time, monthly payments, category breakdowns. Print or export to CSV for your tax person.

Calendar Sync

One-click .ics download adds every due date as a recurring event in Apple Calendar, Google, or Outlook with a 2-day reminder.

Smart Budget

Custom categories, fixed or % of income, weekly/monthly/quarterly/yearly cadence. Surplus auto-redirects to debt.

Two-factor auth

TOTP authenticator support out of the box. Your financial data is locked behind your password and your phone.

Mobile-ready

Installs to your home screen as a PWA. Same data, same plan, full responsive layout. No app-store gauntlet.

Pricing

One plan. One price.

No tiers, no upsells, no "Pro" features locked behind a higher plan. Everything's included.

ZeroDay Pro
$59/month
14-day free trial · Cancel anytime
  • Unlimited cards, loans, and goals
  • Plaid bank sync (12,000+ institutions)
  • AI Coach powered by Claude (unlimited messages)
  • Snowball + Avalanche payoff engine
  • Calendar sync, weekly digest, daily reminders
  • CSV import + export, full data portability
  • Two-factor auth, dark mode, mobile PWA
  • Priority support
Start your 14-day trial →
No credit card required to start. We'll remind you 3 days before the trial ends.
FAQ

Questions, answered.

Is my financial data safe?
Yes. We use Supabase (Postgres with row-level security) for storage and TLS in transit. Bank credentials never touch our servers — Plaid handles authentication directly with your institution. We can't move money or initiate transactions; access is read-only. Two-factor authentication is available in Settings.
Do you sell my data?
No. We have one revenue source — your subscription. We don't sell, share, or analyze your data for any third party. AI Coach conversations are sent to Anthropic for processing and are not used to train models.
What if my bank isn't supported?
Plaid supports 12,000+ US banks, including all major national banks, most regional banks, and most credit unions. If yours isn't in the list, you can add cards manually — same engine, same coach, same plan.
Can I export my data if I leave?
Always. The Reports section has CSV export for everything: payment history, current balances, monthly summaries. Your data is never locked in. You can also delete your account from Settings, which permanently wipes all your data within 24 hours.
Snowball or Avalanche — which should I use?
Mathematically Avalanche (highest APR first) saves you more in interest. Practically, Snowball (smallest balance first) often wins because you get visible wins faster, and motivation matters. ZeroDay shows you both — pick the one you'll actually stick with.
What happens after the 14-day trial?
Three days before the trial ends, we email you. If you don't add a payment method, your account moves to a paused state — your data sticks around, but you can't access the planner or coach until you upgrade. No surprise charges, ever.

Pick a date. Make it real.

14 days free. No card required. The math is already done — you just have to start.

Start your free trial →