Get out of debt. Stay out.Build wealth.
DebtZero connects all your accounts, builds a personalized AI payoff plan, and — the moment any debt hits $0 — automatically redirects that freed cash toward your savings goals. One app. Two phases. A complete financial journey.
$49 one-time · iOS & Android · Founding pricing locked for life
Total Debt Remaining
$24,180↓ 12% this month
38% toward zero · Est. payoff: Nov 2026
Phase Pivot — Chase Visa paid off
$340/mo freed → auto-routing to Emergency Fund
Emergency fund funded in 4 months · then → Investments
From connected to wealthy — on autopilot
Three steps. Fully automated after step one.
Connect your accounts
Link all bank accounts, credit cards, and credit reports via Plaid in under two minutes. DebtZero sees the full picture — balances, bills, credit history — in one place.
AI builds your personalized plan
Choose your aggression level. The AI maps every dollar to a payoff sequence calibrated to your real cash flow — and adapts in real time as your finances change.
Debt disappears. Savings grow. Automatically.
Daily tracking and smart notifications keep you on course. The moment any debt hits $0, Cipher automatically redirects that freed payment toward savings goals. No manual reset. No new app.
Eliminate debt — with serious AI firepower
Ten tools working in concert to destroy your debt faster than you thought possible. Not a budgeting app. A debt-elimination engine.
Personalized AI debt payoff plans
Choose Conservative, Aggressive, or Maximum-Velocity mode. The AI sequences your debts for maximum psychological and financial impact — and recalibrates automatically when your finances change. This isn't a spreadsheet. It's a living plan.
AI credit dispute letters
Generate legally-grounded 609, 611, 623, pay-for-delete, and goodwill letters. Proven templates that get bad debt removed.
Smart decision notifications
Every spending decision shows its real cost in days added to your payoff date — before you commit.
Weekly / monthly / yearly forecasts
Debt curves projected at every time horizon, updated daily as your real balances change.
AI grant & law scanner
The AI continuously checks for debt-relief programs, government grants, and new laws that could erase part of your balance.
Everything else in Phase 1
When debt disappears,
wealth appears.
This is the feature no other debt app has. The moment any account hits $0, DebtZero automatically redirects that freed monthly payment toward your savings goals. No manual reset. No new app. No starting over.
Real example
You pay off your $340/month car payment.
Instead of that $340 disappearing into lifestyle creep, DebtZero immediately routes it to your emergency fund. When that's funded, it automatically shifts to your investment account. When that target is hit, it flows toward retirement. Zero effort required.
Emergency fund
3-month buffer first
Investment account
Brokerage / index funds
Retirement
IRA / 401k top-up
Automatic cash-flow redirect
The moment any debt hits $0, that freed monthly payment is instantly re-routed. Zero manual steps.
Emergency fund first
Freed dollars fill your 3-month buffer before going anywhere else — the foundation every financial plan needs.
Then investments
Once the buffer is funded, cash flows to your brokerage or retirement account automatically.
The core differentiator
DebtZero doesn't just eliminate debt — it transitions users into savers and investors automatically. The same discipline that killed your debt now builds your future.
Early feedback from beta testers
“Finally an app that changes the plan when I make a purchase. The notifications are eye-opening — I had no idea a $60 dinner was costing me 3 payoff days.”
“I paid off my first card and didn't touch anything. The $280/month just started going into my emergency fund. That's exactly what I needed — I would have spent it otherwise.”
“The credit dispute letter it generated got two collections removed in 30 days. My score jumped 47 points. I didn't know that was even possible.”
Early access.
Pricing locked
for life.
We're onboarding a small group of founding members right now. Get in early and your pricing is locked forever — even as the app grows and rates go up.
- Full Phase 1 + Phase 2 access from day one
- Founding pricing locked for life
- Direct line to the product team
- Shape the roadmap as an early member
- iOS & Android — shipping this year
Your data works for you — not us.
Linking bank accounts is a big step. We take that trust seriously.
Read-only access
Bank-level encryption. We only request read-only permissions — we can never move your money.
Data never sold
Your financial information is used solely to build your plan. It never goes to advertisers or third parties.
Transparent & cancellable
No lock-in. Cancel any time and your data is deleted on request. Pricing is always visible upfront.
Get notified when we launch
Drop your email and we'll reach out as founding spots open.
No spam. Unsubscribe anytime.