Before you get started

DebtZero has been published on Google Play since 4 October 2026. The link points to com.albertlab.debtzero. Google Play shows availability for your account, country and device.

No. You enter the information manually. Recording a payment does not make a transfer and does not automatically reduce the saved balance.

No. It is an estimate based on entered balances, a fixed annual rate and monthly repayments. New spending, fees, daily interest or changing rates can produce different results.

English for the US, UK, Australia and Canada; German; Polish; and Canadian French. Plans support USD, EUR, GBP, AUD, CAD or PLN, with one currency per plan and no conversion.

Yes, the app offers an “Another country” setting and manual language and currency choices. It does not support every currency or automatically interpret local lending rules.

Your debt plan, recorded history and preferences are stored locally. There is no developer account or bank connection. Exporting a backup or contacting support creates a separate data flow described in the privacy policy.

Version 0.3.5 is ad-free. The upcoming update 0.3.6 uses AdMob banners and UMP for required privacy choices. Plan entries are not passed to advertising calls. Google can process the technical data described in the privacy policy; no separate developer analytics service is configured.

They are scheduled locally after you enable them and grant the necessary permission. Android settings, battery restrictions and device behavior can affect delivery.

Settings provides JSON export and restore, and a confirmed clear-plan action. Exported files are separate copies that you must protect and delete separately.

No. Payday schedules support several rhythms, but the debt forecast still models monthly repayments at a fixed rate.