xeroed
optimized debt payoff calculator
| how xeroed saves you interest | xeroed | snowball | avalanche |
| Minimize interest cost | Smallest balances first | Highest APR first | |
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Tracks promotional APR expirations Pay off promos neither too early nor too late, by "looking ahead" at all your current and upcoming APRs to calculate the best interest saving |
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Handles multiple-rate balances Account for the special way banks allocate your payment if the same card has multiple-rate balances (e.g. a promotional balance and a purchase) |
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Intelligently allocates extra payments Specify extra payments in some months and let the system decide how best to allocate them |
Convenient dashboard
At-a-glance picture of crucial dates and key details - everything in one place.
AI-optimized payoff planning
No guesswork - Xeroed calculates the least-interest payoff plans for you.
Data safety
Xeroed never asks for your bank logins, SSN or any other confidential info. All calculations are done simply from the statements you enter.