Debt is a game.
Start winning it.
Zero Debt Club turns your payoff plan into daily rings, boss fights, and challenges with friends — so paying down debt feels like progress, not punishment.
- PAID
- $427/ $600
- DUES
- 3/ 4
- EXTRA
- $118/ $150
TODAY
One glance tells you if the month is on track.
Today opens on your rings — each measuring the month against your own plan, never a universal bar. Progress moves when a due posts, and the Due Next card always knows your next move.
- PAID
- $427/ $600
- DUES ON TIME
- 2/ 4
- OVER MINIMUM
- $118/ $150
NEXT DUE
DUE NEXT
in 2 days
Chase Sapphire
$170 min
The $170 minimum keeps your streak and the blue ring. Anything past it — $32 closes orange this month — is what actually shortens the payoff.
DEBTS
Every debt is a boss. Fight one at a time.
Your debts line up in payoff order — and every extra dollar hits the boss that’s NOW, whether you run avalanche or snowball.
CURRENTLY ATTACKING
Discover it
24.99% · every extra dollar lands here
77% down
UP NEXT
Chase Sapphire
24.99% · linked, syncs itself
$6,240
on minimums
Sallie Mae
6.8% · by hand
$11,905
on minimums
CareCredit
0% until Jan · by hand
$7,090
on minimums
DEFEATED
Target RedCard
$1,860 · defeated in March
5 months
Affirm · couch
$740 · defeated in June
4 months
DAYS IN THE GREEN
12 of 15 so far
A green day is spending on plan. Finish the month 24 of 31 or better and the leftover sweeps to Discover automatically.
BUDGET
Every green day is a point on the board.
Days you stay inside your plan score green; the month builds into a grid you don’t want to break. Category streaks mint medallions, and whatever the month leaves unspent sweeps straight to the boss on the 1st.
PLAN
Your last debt has a date. Move it closer.
Freedom Day leads the page — the date, days remaining, and how much sooner it is than when you started. Below it, the Descent: every debt a bar shrinking toward zero, conquered chapters collapsing to medallions. Tap +$25 a month and watch the date jump.
FREEDOM DAY
1,203 days
November 2029
4 months sooner than when you started
THE DESCENT
77% down · falls in November
AUGUST DUEL · LIVE
16 days left
You vs. $rae
A point per 1% of any ring, all month. Loser sends the winner’s next $25 payment. You’re up 43 — $rae’s due on Sunday could flip it.
Sam closed the blue ring this morning — every due met, third month running.
Sam received your cheer!
CLUB
ProPay it down with your friends.
Duels, crew challenges, and pacts with the people you trust. Friends see your rings, never your balances — and challenges score rings and green days, never dollars, so any budget can beat any budget.
And when a friend closes a ring, cheer them on — it lands as a message from you, right next to your rings. Try it.
MEMBERSHIP
Free forever. Pro when you want the full game.
Free
The Core Experience
- Every ring and every boss fight
- One bank account linked with Plaid
- Unlimited hand-tracked debts and budgeting
Pro
Everything in Free, plus
- The Club — duels, challenges, and pacts
- Every bank and card linked with Plaid
- AI insights and suggestions
Close your rings
Paid, dues, and overpay — three rings a month. Every payment moves one. Streaks make it hard to stop.
Fight one boss at a time
Your debts become a path of bosses. Avalanche or snowball, every extra dollar hits the one that’s NOW.
Pay it down together
A club of friends who see your rings, never your balances. Monthly challenges keep everyone paying.