Zero+ turns your salary, loans and budget into clear guidance — a financial score, smart alerts, and interactive what-ifs you can play with every day.
Zero+ speaks to you in plain language and lets you explore your future with a tap.
Financial health, monthly money flow, and how far you are from independence.
A fresh, interactive simulation each day. Drag a slider, see the impact instantly.
A timeline from today to 15 years out — every change, ending in a celebration.
Budget, forecast and every loan you carry — in the same calm language.
Target against actual, broken down by category — so overspending shows up early.
Income, expenses, commitments and loans projected up to 15 years out.
Payment, principal, rate, total interest and the exact date it ends.
Powerful math under a calm, friendly surface — the Zero Axiom engine, made personal.
See where you stand at a glance — with the risks that matter flagged before they bite.
Know the next changes to your budget — a loan or commitment ending, or a goal about to start.
Pay off faster, refinance, build an emergency fund — try it live and watch the outcome move.
Every loan, commitment and goal mapped from today to the day you're finally debt-free.
Project your balance and net worth years ahead — with cash-flow and net-worth views.
No account, no servers, no tracking. Your data never leaves your device. Ever.
Zero+ has no accounts and no analytics. Everything you enter is stored only on your phone — we never see it, and there's nothing for us to collect.
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