xeroed

optimized debt payoff calculator

how xeroed saves you interest xeroed snowball avalanche
Minimize interest cost Smallest balances first Highest APR first

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

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)

Intelligently allocates extra payments

Specify extra payments in some months and let the system decide how best to allocate them

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Convenient dashboard

At-a-glance picture of crucial dates and key details - everything in one place.

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AI-optimized payoff planning

No guesswork - Xeroed calculates the least-interest payoff plans for you.

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 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.