--- title: "AlmostZero - Debt Tracking App - Reviews, Revenue and Downloads in United States | Apple App Store" description: "AlmostZero is a personal finance app that helps you manage debt, track spending, and reach your savings goals. Credit cards, student loans, mortgages, auto loans — bring all your debts together in one" --- # AlmostZero - Debt Tracking App — United States > Smart Debt Repayment Planner ![AlmostZero App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/61/29/d9/6129d943-57cd-193c-b5d1-55f4bb7ccd45/AppIcon-0-0-1x_U007epad-0-0-0-1-0-0-85-220.png/434x0w.png) **Developer:** [Life Utility Apps](https://apptail.io/developer/life-utility-apps-jXMf) **Category:** Finance **Rating:** 4.8/5 (69 ratings) **Price:** Free **Bundle ID:** com.lifeutilityapps.downpaymenter **Store:** Apple App Store **Country:** United States **Version:** 2.0 (released 2026-03-17) **Original Release:** 2024-07-15 **Languages:** English, Arabic, Bulgarian, Catalan, Croatian, Czech, Danish, Dutch, Finnish, French, German, Greek (modern), Hebrew (modern), Hindi, Hungarian, Indonesian, Italian, Japanese, Kazakh, Korean, Malay, Norwegian Bokmål, Polish, Portuguese, Romanian, Russian, Chinese, Slovak, Spanish, Swedish, Thai, Turkish, Ukrainian, Vietnamese **App Store Link:** [Download on Apple App Store](https://apps.apple.com/us/app/app/id6474574024) **AppTail Page:** [https://apptail.io/app/almostzero-debt-tracking-app-HOSo/united-states](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/united-states) ## AlmostZero Description AlmostZero is a personal finance app that helps you manage debt, track spending, and reach your savings goals. Credit cards, student loans, mortgages, auto loans — bring all your debts together in one app and get a clear picture of your financial situation. Struggling to plan repayments, spending more than you'd like, or finding it hard to save consistently? AlmostZero is designed to help you organize your money and stay on track without the stress. With visual progress indicators and practical repayment strategies, you can see exactly where you stand and how to move forward. 【Key Features】 ▸ Debt & Loan Management Track credit cards, personal loans, mortgages, auto loans, and student loans all in one place. The app automatically calculates accrued interest, remaining term, and estimated payoff date, so you can see the status of every debt at a glance. Repayment frequency is fully customizable — weekly, biweekly, monthly, quarterly, and more, matched to your income cycle. Clear progress charts show you how far you've come and help you stay motivated. Two proven repayment strategies are supported: the snowball method (pay off the smallest debts first) and the avalanche method (pay off the highest-interest debts first). Choose the strategy that fits your situation best. ▸ Expense Tracking Log your daily expenses and they're automatically organized by category. View spending by merchant or category to understand exactly where your money is going. Analyze spending trends by day, week, month, or year to identify your habits. Set a budget and receive a notification when you're approaching your limit. ▸ Savings Goals Create multiple savings goals with individual target amounts and deadlines. The app automatically calculates the savings pace you need and displays your progress clearly. A progress bar helps you stay on track. ▸ Link to Assets Connect your debts to assets like property or vehicles. By viewing debts and assets together, you get a more complete picture of your overall financial position. ▸ Tag Organization Use custom tags to organize your debts and expenses flexibly. View totals and statistics by tag to analyze your finances from different angles. ▸ Multiple Currencies All major world currencies are supported. Switch your display currency with a single tap — convenient for use abroad or managing finances across multiple currencies. ▸ Financial Education Access clear, approachable content covering debt management, savings tips, investing basics, and other financial topics. Build your financial knowledge right inside the app. ▸ Financial Calculator Simulate different repayment and savings plans with the built-in calculator to make more informed financial decisions. 【Privacy & Security】 Protecting your financial data is our top priority. AlmostZero supports biometric lock with Face ID and Touch ID. All data is stored on your device and synced securely through iCloud. No account creation or bank linking required. Your data is never collected or shared with third parties. 【Data Management】 iCloud sync automatically shares your data between your iPhone and iPad. Import and export in JSON format makes backup and data transfer simple. 【What Sets AlmostZero Apart】 • Built for debt reduction — packed with features to help you pay off what you owe • Simple and intuitive — powerful yet easy to use • Strong privacy — your data stays on your device and in iCloud only • Regular updates — new features and improvements added continuously Start today with AlmostZero and bring more clarity to your finances. Reduce your debt step by step and work toward your savings goals. ## AlmostZero Screenshots - [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/72/39/0f/72390f1e-6126-5f46-4fc7-42013a1dff28/e3f33590-aaaf-4b4f-8d39-fcaca3042102_app-ipad-screen-3.png/2048x2732.png) - [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/fc/f2/ca/fcf2caa0-d256-509d-910b-0dd6c0874b00/520c9ac9-4ad2-4cc9-bafe-e73276f2053e_app-ipad-screen-2.png/2048x2732.png) - [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/6b/0e/aa/6b0eaa48-8a71-c79e-8abb-4512feda7d88/99d16b13-1346-465b-82fe-b659fb54f5a1_app-ipad-screen-4.png/2048x2732.png) - [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/4a/d7/90/4ad790b7-f20b-8dfe-7167-95f933f8d6f0/5dd149dd-ea34-43f6-bae5-344d4dfdc4fa_app-ipad-screen-5.png/2048x2732.png) - [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/2f/09/73/2f0973d0-aeb4-3d73-1d0f-74cda9bffb8b/538807d1-8508-4c3d-95cc-8ab8ee718d7d_app-ipad-screen-1.png/2048x2732.png) - [Screenshot 6](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/04/82/2b/04822be6-41b9-325f-c047-18e37893164f/b430af0b-809d-4c44-8767-85a395b38b53_app-ipad-screen-6.png/2048x2732.png) ## AlmostZero Rating Breakdown in United States - 5 stars: 62 (90%) - 4 stars: 5 (7%) - 3 stars: 1 (1%) - 2 stars: 0 (0%) - 1 stars: 1 (1%) ## AlmostZero Reviews in United States ### ***** "A+ app for tracking debt and savings planning." I’ve been looking for an app like this for years, something pretty advanced but is easy to use, feature packed with a beautiful user interface and experience. This has it all for me. A+ support from the developer as well, and really looking forward to seeing whatever else this developer makes in the future. Great pricing as well for an app like this. Highly recommend. -- Jaybot-, 2024-11-08 ### ***** "Great, but some suggestions!" First off, I love the app and appreciate it’s existence, lol. It’s simple, to the point. I like manually updating it bc it forces me to pay attention to my finances and debt. I do have some suggestions, though! First, and this is HUGE to me and would make this my only budgeting app, is that there should be an overall progress. I like that we can see our progress for each individual debt, but there isn’t an option to see your overall payoff or a timeline with your past balance. Maybe having the option to click on your “total owed”, then it takes you to another page where you can see your total payoff, all payment history and charge history in one place. Second, it would be nice to be able to adjust the order of your savings. I have a few things in there that are miscellaneous, not high priority and don’t have “save by” dates. Since I made those first, those show up at the top of my savings list and I have to scroll down to see the important savings. having the options to sort by amount saved, due date, alphabetical, etc would be useful. -- Queen.lcg, 2024-09-17 ### ***** "great app!" this app is so helpful, i'm not an organized person but this is pretty easy to use and i love the little icons of the trip destinations that i'm saving up for!!! -- hamch0ii, 2024-09-10 ### *---- "When u pay every thing stays the same" Paid for pro still couldn’t adjust payment frequency so no good for me I even deleted and re made my debts still wouldn’t let me -- Cjl1881, 2024-08-28 ### ***** "Nice app 👍🏻" Can you please add the French Car Manufacturers like Renault, Peugeot and Citroën ? -- Mʀ.AMiNE, 2024-07-23 ### ***** "Simple yet Effective" Everything I need in a budget app. Simple, easy to customize, and doesn’t track my banking and credit file like these other data mining apps do. It’s the perfect addition to my excel spreadsheet to better visualize the numbers. -- norawoods7, 2024-07-04 ### ***** "Love It!" I found this app through Reddit and I love it! Great way to track your debts and pay off plan -- Michelle.Pond, 2024-07-04 ### ***** "Highly Recommended" This app is great for tracking my progress toward paying off my student loans. The interface looks great! I love all the customizable icons! Once I get out of debt I’m going to use it to track my progress towards saving for a house! -- C.Barnwell, 2024-05-26 ### ***** "Helpful Too" I like setting goals and this app is a big help! -- Miss the old show, 2024-05-26 ### ***** "Very easy App to use" Well thought out and easy to navigate. Perfect for managing finances. -- Fran & Larry, 2024-05-25 ### ***** "Well Polished Finance App!" I’ve downloaded and used numerous finance apps over the years. I have to say that I was amazed at the level of detail, conveniences and well thought out design that went into making this app. I have been gearing up to pay down some of my debt and it’s like the developer knew exactly what I was looking for as far as features to help me do so. Highly recommend getting the Pro version. The price is a steal for the amount of features you get. -- ChristIsLordAndKing, 2024-05-16 ### ***** "Game Changer!" With its advanced Debt Manager, you can effortlessly take control of your finances, from tackling credit cards to planning mortgage repayments. Say hello to financial empowerment with DownPay! -- darthweber_, 2024-05-14 ### ***** "Finances organized" Really enjoy this app. It allows me to stay organized and see how far I am from accomplishing my goals in terms of paying debt or saving money. Being able to see it visually helps me adapt how I manage my money. Very useful! -- Harry Montero, 2024-05-13 ### ***** "Great app for paying down debt" This app is very intuitive and easy to navigate. I appreciate how much thought went into creating it. The customizable icons are a nice touch and make it feel more personalized. I like being able to visually see my debt and the minimum amount I need to pay off on a monthly basis. The other tools offered such as the emergency fund and rent affordability calculator are also very helpful. I would recommend this app to my friends and family! -- Lindurnet, 2024-05-07 [View all AlmostZero reviews and detailed analytics on AppTail](https://apptail.io/account/signup?utm_campaign=ai-crawl&utm_content=reviews) ## AlmostZero In-App Purchases | Item | Price | |------|-------| | Tip | $0.99 | | Tip | $5.99 | | Monthly Pro | $0.99 | | Lifetime Pro | $14.99 | | Steak Dinner sized Tip | $19.99 | ## AlmostZero Store Rankings | Chart | Country | Category | Rank | |-------|---------|----------|------| | Top Grossing | Italy | Finance | #99 | | Top Grossing | Philippines | Finance | #100 | ## Apps Similar to AlmostZero - [Cryb Bank](https://apptail.io/app/cryb-bank-MvQb/united-states) - [Qadirah](https://apptail.io/app/qadirah-FZin/united-states) - [SavUp](https://apptail.io/app/savup-cGvn/united-states) - [Houseriver: Family Finance](https://apptail.io/app/houseriver-family-finance-pLzo/united-states) - [BIEASES Business](https://apptail.io/app/bieases-business-NwTo/united-states) - [Cashly: Track Your Money](https://apptail.io/app/cashly-track-your-money-lMap/united-states) - 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[Canada](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/canada) - [United Kingdom](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/united-kingdom) - [Jamaica](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/jamaica) - [Malaysia](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/malaysia) - [Namibia](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/namibia) - [Japan](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/japan) - [Kenya](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/kenya) - [United Arab Emirates](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/united-arab-emirates) - [New Zealand](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/new-zealand) - [Kazakhstan](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/kazakhstan) - [Poland](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/poland) - [Chile](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/chile) - [Paraguay](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/paraguay) - [Colombia](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/colombia) - [Spain](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/spain) - [Belarus](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/belarus) - [Singapore](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/singapore) - [Iceland](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/iceland) - [Italy](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/italy) - [South Korea](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/south-korea) - [Kuwait](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/kuwait) - [Cayman Islands](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/cayman-islands) - [Lebanon](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/lebanon) - [Sri Lanka](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/sri-lanka) - [Lithuania](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/lithuania) - [Luxembourg](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/luxembourg) - [Latvia](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/latvia) - [Madagascar](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/madagascar) - [North Macedonia](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/north-macedonia) - [Malta](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/malta) - [Nigeria](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/nigeria) - [Netherlands](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/netherlands) - [Norway](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/norway) - [Nepal](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/nepal) - [Peru](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/peru) - [Pakistan](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/pakistan) - [Portugal](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/portugal) - [Romania](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/romania) - [Russia](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/russia) - [Saudi Arabia](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/saudi-arabia) - [Sweden](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/sweden) - [Slovenia](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/slovenia) - [Slovakia](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/slovakia) - [Tunisia](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/tunisia) - [Türkiye](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/turkey) - [Taiwan](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/taiwan) - [Ukraine](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/ukraine) - [Uzbekistan](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/uzbekistan) - [South Africa](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/south-africa) - [Armenia](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/armenia) - [Argentina](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/argentina) - [Azerbaijan](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/azerbaijan) - [Belgium](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/belgium) - [Bulgaria](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/bulgaria) - [Bahrain](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/bahrain) - [Brunei](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/brunei) - [Switzerland](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/switzerland) - [China](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/china) - [Czechia](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/czechia) - [Denmark](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/denmark) - [Algeria](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/algeria) - [Ecuador](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/ecuador) - [Estonia](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/estonia) - [Egypt](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/egypt) - [Finland](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/finland) - [France](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/france) - [Greece](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/greece) - [Hong Kong SAR China](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/hong-kong) - [Croatia](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/croatia) - [Hungary](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/hungary) - [Indonesia](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/indonesia) - [Ireland](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/ireland) - [Israel](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/israel) - [India](https://apptail.io/app/almostzero-debt-tracking-app-HOSo/india) --- ## About AppTail [AppTail](https://apptail.io) is a mobile app intelligence platform providing app analytics, ASO (App Store Optimization) tools, keyword tracking, competitor analysis, revenue estimates, and review monitoring for iOS App Store apps. 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