Free during beta · iPhone
Pay off your credit cards. Know the exact date.
Connect your bank, choose what you can pay each month, and PayZeroX shows your debt-free date and how much interest you save compared with paying only the minimum.
Bank connections by Plaid. We never see your bank password.
How it works
Three steps to a real payoff date.
Connect your bank
Sign in to your bank through Plaid. Your cards, balances, interest rates and due dates appear automatically. Nothing to type.
Pick what you can pay
Slide to the amount that fits your budget. Extra money goes to your highest-interest card first, which saves the most.
See your debt-free date
Get the month you will be debt-free, your total interest, and how it compares with paying only the minimum.
The minimum-payment trap
Minimum payments are designed to keep you paying.
PayZeroX shows you exactly how long the minimum would take and what it costs, next to a plan you choose.
Example: one card, $4,860 balance, 24.99% APR, $146 minimum
Saves about $2,365 in interest.
Illustration only. Your numbers depend on your cards. Banks recalculate minimums every month.
Security & privacy
Your money data, handled with care.
We never see your bank login
You sign in to your bank through Plaid, not through us.
Encrypted
HTTPS everywhere, and your bank connection is encrypted on our servers.
Never sold, no ads
We do not sell your information or show advertising.
Delete anytime
Disconnect your bank or delete your account from Settings, and your data is deleted.
Read the full Privacy Policy.
Questions
Is PayZeroX free?
Yes, during the beta. The free plan includes one connected bank with all of its credit cards.
Does PayZeroX make payments for me?
No. PayZeroX never moves money. It shows your plan, and you pay your cards as usual.
Which banks work?
Most US banks and card issuers that connect through Plaid.
Is this financial advice?
No. PayZeroX gives estimates to help you plan. Always check your card statement for exact amounts and due dates.
How do I get help?
Email support@payzerox.com or visit our Support page.