Start with statements, not a remembered total
List each debt separately. For each one, find the balance and its date, annual interest rate, payment due date and required payment. A card can have several rates or promotional conditions. DebtZero’s simplified entry cannot reproduce every combination, so identify which balance and rate you are modelling.
Keep account numbers and identity documents outside your plan. A recognisable label is usually enough. If a figure is uncertain, verify it with the provider before treating the resulting estimate as useful.
Make your entries comparable
Choose the currency before creating the plan. DebtZero supports one currency per plan and does not convert amounts. Mixing a USD balance and a GBP balance as if both were the same currency makes the result meaningless.
Use balances from a consistent review point where possible. Record their real dates and remember that pending payments, interest or new spending can explain differences from an older statement.
Build the first version in DebtZero
Choose your language, country and currency, then add the debts. Enter a monthly budget and inspect both repayment strategies. If the app reports a shortfall or no payoff within its model, treat that as a reason to review the assumptions, not as a failure on your part.
The first plan is a baseline. After checking it, decide when to return: a weekly review for upcoming actions and a balance check-in when you have fresh figures. Export a backup if you want a separate copy under your control.
Sources and further reading
Sources checked on 24 September 2026.
An educational planning tool, not personalized financial, legal or debt advice. Estimates use your inputs and simplified monthly assumptions. Your lender’s statements and agreement remain the reference.