The first debt payoff app built on behavioral science. Track your debts, build winning streaks, and celebrate every victory on your path to zero.
ZeroBound combines proven debt elimination strategies with behavioral psychology to keep you motivated.
Choose between Snowball or Avalanche methods. We calculate the optimal path based on your goals and psychology.
Build payment streaks with freeze protection. Research shows 7-day streaks boost retention by 2.4x.
Connect your accounts for automatic balance updates. No more manual entryโfocus on winning instead.
Interface adapts to your progressโhiding anxiety triggers early, celebrating wins as you build momentum.
Every payment is a victory. Share your wins, earn badges, and build identity as a "debt eliminator."
See how extra payments accelerate your freedom date. Visualize your path to zero in real-time.
Every feature is backed by peer-reviewed psychology studies. Here's why ZeroBound works.
Eliminating one debt account improves cognitive function by 0.25 standard deviationsโa meaningful, measurable boost in mental clarity.
Losses feel 2.25x more painful than gains feel good. That's why we show "interest you'll avoid paying" instead of "money saved."
Having an accountability partner increases goal completion from 10% to 95%. Our partner features leverage this research.
Users who reach a 7-day streak are 2.4x more likely to return. Our streak system builds habits that stick.
From download to debt-free in four simple steps.
Enter your accounts manually or connect your bank for automatic sync.
We calculate your optimal payoff order using Snowball or Avalanche methods.
Track each payment in seconds. Build streaks and celebrate every win.
Watch your debts disappear one by one. Share your victories with the community.
Start free. Upgrade when you're ready for more power.
Be among the first to take control of your finances with ZeroBound.
Get Early Access ๐ฑ