Pay off debt faster with a plan
built for real life

Connect your accounts to get a clear, personalized payoff plan that adjusts as your life changes. Know what to do next, avoid missed payments, and save money on interest without spreadsheets or stress.

Credit Card Bills

Education Loan

Home Loan

Medical Loan

Credit Card Bills

Education Loan

Home Loan

Medical Loan

Why Debtzero Exists

Debt is hard enough. The debt industry should not make it worse. Most tools either overwhelm you with numbers, or push you toward products that benefit someone else. Debtzero is built to do the opposite. We help you get clear, stay on track, and make the next right move.

Stop carrying the mental load

All your debts, due dates, and next steps in one place. No more checking five apps or keeping it in your head.

See your debt free date early

Get a clear timeline and see how each action moves your date closer. No guessing and no generic advice.

Stay on track without feeling overwhelmed

We surface one next step at a time and send reminders when it actually matters.

Trust first by design

We never sell your data. We never push shady offers. If we ever recommend a product, it will be because it helps you and we will explain why.

Simple Tools That Actually Work

AI-Powered Debt Optimization
That Actually Works

Debtzero is the tool for people who are done feeling overwhelmed.

360° Clarity

See your credit cards, student loans, and other debts in one view. Know exactly where you stand.

Reliable math with clear explanations

We use a rules based calculation engine for interest and timelines. AI helps explain your plan in simple language, but the numbers are always grounded.

A plan that adapts to your life

Most payoff plans assume your life stays the same. Debtzero adapts when your income, spending, or balances change and shows you what is different before anything updates.

360° Clarity

See your credit cards, student loans, and other debts in one view. Know exactly where you stand.

Reliable math with clear explanations

We use a rules based calculation engine for interest and timelines. AI helps explain your plan in simple language, but the numbers are always grounded.

A plan that adapts to your life

Most payoff plans assume your life stays the same. Debtzero adapts when your income, spending, or balances change and shows you what is different before anything updates.

360° Clarity

See your credit cards, student loans, and other debts in one view. Know exactly where you stand.

Reliable math with clear explanations

We use a rules based calculation engine for interest and timelines. AI helps explain your plan in simple language, but the numbers are always grounded.

A plan that adapts to your life

Most payoff plans assume your life stays the same. Debtzero adapts when your income, spending, or balances change and shows you what is different before anything updates.

360° Clarity

See your credit cards, student loans, and other debts in one view. Know exactly where you stand.

Reliable math with clear explanations

We use a rules based calculation engine for interest and timelines. AI helps explain your plan in simple language, but the numbers are always grounded.

A plan that adapts to your life

Most payoff plans assume your life stays the same. Debtzero adapts when your income, spending, or balances change and shows you what is different before anything updates.

Built for people who are ready to move forward

Debtzero isn’t just a financial tool.
It’s a mental-bandwidth tool — for people who are done waiting and ready to take back control.

Join the Club

Built for people who are ready to move forward

It’s a "mental bandwidth" app. It is for people who are
ready to stop stressing about money
and start eliminating it.

Join the Club

Built for people who are ready to move forward

Debtzero isn’t just a financial tool.
It’s a mental-bandwidth tool — for people who are done waiting and ready to take back control.

Join the Club

How It Works

From debt chaos to calm in four steps

01

Connect Securely

Link your accounts to get a full picture of your debts and cash flow. Your data stays protected.

Securely link your debts and accounts for a complete financial overview. Bank-level security keeps your data protected.

02

Get your plan

We build a payoff plan based on your balances, APRs, due dates, and real life timing.

03

Follow one next step at a time

We tell you the most impactful thing to do next and why it matters. No overwhelm

04

Stay calm as life changes

If something changes, we adjust the plan and show the impact. You stay in control.

Expert financial strategy. Without the expert price tag.

Financial advice can cost hundreds per hour. Debtzero costs less than one small purchase each week and is designed to save you far more than you pay.

Monthly

$12.99 / month

Billed monthly. Switch to annual to save $88/year.

Debt tracking and insights

AI-powered debt optimization strategies

Personalized debt payoff plan

Unified payment and reminders

Start Monthly Plan

Yearly (Save 60%)

$5.59 / month

Billed $67.15 annually. (Save 60% vs $12.99 monthly)

Debt tracking and insights

AI-powered debt optimization strategies

Personalized debt payoff plan

Unified payment and reminders

Lock In My 60% Discount

Start your 14 day free trial. No credit card required.

Built by someone who lived it

Three years ago, I was drowning in $140,000 of debt.

I tried budgeting apps, spreadsheets, and generic payoff calculators. None of them matched real life. My income and expenses changed. Due dates were stressful. And every month felt like a new puzzle.

So I built the system I wished existed. It helped me save about $28,000 in interest and become debt-free years earlier than my original timeline.

But the biggest win was peace of mind. I stopped waking up worried about what I forgot to pay.

I built Debtzero to give you that same calm and control.

Anishek Kamal, Founder

Built by someone who lived it

Three years ago, I was drowning in $140,000 of debt.

I tried budgeting apps, spreadsheets, and generic payoff calculators. None of them matched real life. My income and expenses changed. Due dates were stressful. And every month felt like a new puzzle.

So I built the system I wished existed. It helped me save about $28,000 in interest and become debt-free years earlier than my original timeline.

But the biggest win was peace of mind. I stopped waking up worried about what I forgot to pay.

I built Debtzero to give you that same calm and control.

Anishek Kamal, Founder

Got Questions?

Is my financial data safe with DebtZero?

How does Debtzero work ?

What type of debt can I manage?

When can I access DebtZero?

Is my financial data safe with DebtZero?

How does Debtzero work ?

What type of debt can I manage?

When can I access DebtZero?

Is my financial data safe with DebtZero?

How does Debtzero work ?

What type of debt can I manage?

When can I access DebtZero?

Is my financial data safe with DebtZero?

How does Debtzero work ?

What type of debt can I manage?

When can I access DebtZero?

Ready to stop feeling overwhelmed?

Join the waitlist and get early access to a calmer way to get out of debt.

Join the waitlist and be the first to
put your debt freedom on autopilot.

No spam. Only updates that are actually useful.

No spam. Just updates when we have something valuable to share

Ready to stop feeling overwhelmed?

Join the waitlist and get early access to a calmer way to get out of debt.

No spam. Just updates when we have something valuable to share.

No spam. Just updates when we have something valuable to share

contact@debtzero.club

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Terms & Condition

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Blog

Instagram

X (Twitter)

contact@debtzero.club

Blog

Terms & Condition

Instagram

X (Twitter)

Blog

Terms & Condition

Instagram

X (Twitter)

Pay off debt faster with a plan built for real life

Why Debtzero Exists

Debt is hard enough. The debt industry should not make it worse. Most tools either overwhelm you with numbers, or push you toward products that benefit someone else. Debtzero is built to do the opposite. We help you get clear, stay on track, and make the next right move.

Stop carrying the mental load

See your debt free date early

Stay on track without feeling overwhelmed

Trust first by design

Simple Tools That Actually Work

AI-Powered Debt OptimizationThat Actually Works

Debtzero is the tool for people who are done feeling overwhelmed.

360° Clarity

Reliable math with clear explanations

A plan that adapts to your life

360° Clarity

Reliable math with clear explanations

A plan that adapts to your life

360° Clarity

Reliable math with clear explanations

A plan that adapts to your life

360° Clarity

Reliable math with clear explanations

A plan that adapts to your life

Built for people who are ready to move forward

Debtzero isn’t just a financial tool. It’s a mental-bandwidth tool — for people who are done waiting and ready to take back control.

Built for people who are ready to move forward

It’s a "mental bandwidth" app. It is for people who are ready to stop stressing about money and start eliminating it.

Built for people who are ready to move forward

Debtzero isn’t just a financial tool. It’s a mental-bandwidth tool — for people who are done waiting and ready to take back control.

How It Works

From debt chaos to calm in four steps

01

01

Connect Securely

Link your accounts to get a full picture of your debts and cash flow. Your data stays protected.

Securely link your debts and accounts for a complete financial overview. Bank-level security keeps your data protected.

02

02

Get your plan

We build a payoff plan based on your balances, APRs, due dates, and real life timing.

03

03

Follow one next step at a time

We tell you the most impactful thing to do next and why it matters. No overwhelm

04

04

Stay calm as life changes

If something changes, we adjust the plan and show the impact. You stay in control.

Expert financial strategy. Without the expert price tag.

Expert financial strategy. Without the expert price tag.

Financial advice can cost hundreds per hour. Debtzero costs less than one small purchase each week and is designed to save you far more than you pay.

Financial advice can cost hundreds per hour. Debtzero costs less than one small purchase each week and is designed to save you far more than you pay.

Start your 14 day free trial. No credit card required.

Start your 14 day free trial. No credit card required.

Built by someone who lived it

Built by someone who lived it

Got Questions?

Is my financial data safe with DebtZero?

How does Debtzero work ?

What type of debt can I manage?

When can I access DebtZero?

Is my financial data safe with DebtZero?

How does Debtzero work ?

What type of debt can I manage?

When can I access DebtZero?

Is my financial data safe with DebtZero?

How does Debtzero work ?

What type of debt can I manage?

When can I access DebtZero?

Is my financial data safe with DebtZero?

How does Debtzero work ?

What type of debt can I manage?

When can I access DebtZero?

Ready to stop feeling overwhelmed?

Ready to stop feeling overwhelmed?

Join the waitlist and get early access to a calmer way to get out of debt.

Join the waitlist and get early access to a calmer way to get out of debt.

Join the waitlist and be the first to put your debt freedom on autopilot.

No spam. Only updates that are actually useful.

No spam. Only updates that are actually useful.

No spam. Just updates when we have something valuable to share

Pay off debt faster with a plan
built for real life

AI-Powered Debt Optimization
That Actually Works

Debtzero isn’t just a financial tool.
It’s a mental-bandwidth tool — for people who are done waiting and ready to take back control.

It’s a "mental bandwidth" app. It is for people who are
ready to stop stressing about money
and start eliminating it.

Debtzero isn’t just a financial tool.
It’s a mental-bandwidth tool — for people who are done waiting and ready to take back control.

Join the waitlist and be the first to
put your debt freedom on autopilot.