What does Debt to Zero compare?

Debt to Zero compares three estimated payoff paths when you have at least two valid debts: your current-payment baseline, highest annual percentage rate first, and smallest balance first. Monadeo shows projected payoff progress, principal, and interest without choosing a strategy for you.

Debt to Zero provides estimates for planning. It does not provide individualized financial advice, guarantee a payoff date, or decide which method suits you.

Three equal comparison panels

Three equal comparison panels

What changes when you adjust the plan?

Debt payoff questions

You can change relevant plan inputs and review updated estimates for payoff timing, projected principal, and projected interest. Monadeo can create future repayment transactions from the plan so the strategy connects to the wider transaction workflow.

Pricing

What purchase options does Monadeo offer?

Free

€0forever

Free includes:

  • Accounts1
  • Goals1
  • Custom Reminders1
  • Watch App CustomisationBasic
  • Display SettingsBasic
  • Transactions ManagementIncluded
  • Currency ManagementIncluded

Monthly Premium

€7.99per month

Yearly Premium

-48%

€49.99per year

Save €45.89 compared with 12 monthly payments

Lifetime Premium

€199.99one-time

No recurring charges.

Everything in Free, plus:

  • Unlimited standard accounts
  • Unlimited custom savings goals
  • Unlimited custom reminders
  • Unlimited recurring rules
  • Transaction splitting
  • Receipts and documents
  • Transaction locations
  • Bulk transaction actions
  • One-year category summaries
  • Historical category trends
  • Recurring spending analysis
  • Advanced budget analysis
  • Account analysis
  • Debt account analysis
  • Emergency Fund planning
  • Debt payoff planning
  • Custom app icons
  • Dashboard layout
  • Budget layout
  • Advanced display settings
  • Apple Watch customization
  • Widget customization