Pay off your credit cards faster

Take the guesswork out of your debt payoff planning

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Introducing the Xeroed Skier method

Faster than Snowball1 & Avalanche2 debt payoff methods.

Add your latest statements

Copy over your promotional rates, balances and APR end dates from your credit card & loan statements.

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Get your optimized payoff plan

Xeroed uses all the upcoming changes to your interest & payments to look into the future and generate an optimized plan to pay off your debts with minimal interest.

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Your credit at a glance

Keep on top of expiring promo rates, high-interest debts, upcoming payments due and statements to enter. Every new change triggers an updated, optimized payoff plan with the new information.

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There's more!

Set your own monthly budget.

Factor in extra one-off payments.

See savings within 3-4 months.


1. Snowball Method: Paying off debts in order of smallest balances first, regardless of interest rate, while making minimum payments on the other debts. Once the smallest balance is paid off, paying off the next larger one, and so on.
Advantage: Helps you visually get rid of the smaller debts first.
Disadvantage: If your larger debts have higher interest rates, you'll end up paying high interest overall.

2. Avalanche Method: Paying off debts with the highest interest rates first, regardless of balance remaining. Once the debt with the highest APR is paid off, paying off the next lower one, and so on.
Advantage: Works well if you don't have any expiring promotional 0% APR or low-rate balances, nor plan to take any.
Disadvantage: Expiring promos will remain ignored till their APR shoots up, costing you high interest payment overall.

3. Our Xeroed "Skier" Method: Xeroed looks ahead through time at the current and upcoming APRs on your complete mix of loan and card balances, including any 0% / low-rate promotions.
Advantage: You get efficient, AI-optimized payoff plans – interest-saving roadmaps through the projected payoff period. Pay off promos neither too early nor too late.
Disadvantage: Requires more detailed information plugged in, but we make this easy!