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 (even on the same card).
It then calculates how best to distribute your payoff budget into each card, each month.
You get efficient, AI-optimized payoff plans:
through the projected payoff period.
Pays off your promos neither too early nor too late.
You save by paying the least interest overall
Xeroed intelligently factors-in any extra one-off payments you specify,
saving you even more.