About DebtZero Pro
Most debt calculators show you one number and stop there. DebtZero Pro builds your entire freedom plan: every debt in one place, a live comparison of every payoff strategy, an interactive timeline you can actually watch shrink, a budget that tells you exactly how much extra you can afford to pay, and milestones that keep you going when the finish line still feels far away.
There's no app to install, no account to create, and no subscription. It's one HTML file that runs entirely in your browser and saves your data only to your own device — open it, add your debts, and see your debt-free date in seconds.
Everything Inside
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Freedom Dashboard
Total debt, projected debt-free date, total interest, and true net worth (assets minus debt) — all in one glance, updating live as you make changes.
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Snowball vs Avalanche
See Snowball, Avalanche, and a fully custom payoff order side by side — exact months to debt-free and total interest for each, so you choose with your eyes open.
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Interactive Payoff Timeline
A live chart of your balance shrinking month by month, with a per-debt view so you can watch each card or loan disappear on its own line.
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Full Payoff Schedule
A complete month-by-month schedule showing interest paid, principal paid, remaining balance, and which debt your extra payment is targeting. Printable to PDF.
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Built-In Budget
Log income and monthly expenses and DebtZero Pro tells you exactly how much is left over — then applies it to your extra payment with one click.
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Milestones & Badges
Every debt earns milestone badges at 25%, 50%, 75%, and fully paid — with an overall progress score across everything you owe.
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US / UK / EU Editions
Switch currency and formatting instantly between $, £, and € — one file works for readers anywhere.
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Private by Design
Your balances and income never leave your device. Export a full JSON backup any time, or import it on another computer.
Who It's For
- Anyone juggling multiple credit cards, loans, or lines of credit who wants one clear plan instead of a spreadsheet
- People who've tried free snowball/avalanche calculators but wanted budget and net worth built in too
- Couples or individuals building a realistic month-by-month plan to show a partner or accountability buddy
- Anyone who wants to feel real momentum with milestones instead of just staring at a shrinking number
- Freelancers and budgeters who don't want their financial data stored on someone else's server
No Account. No Cloud. No Subscription.
DebtZero Pro stores everything in your browser's local storage — your balances and income never leave your device, and nothing is ever uploaded anywhere. There's no login, no account to create, and no monthly fee. Open the file, add your debts, and your plan is there next time you open it.
Like all Nexior Gray products, DebtZero Pro is a single HTML file — open it in any browser and it works immediately. No installation, no account, no subscription. Buy once and it's yours.
Get DebtZero Pro — £19.00 →
