Quests
Small jobs that chip away at the pile. List your balances, spot the expensive one, put an extra payment on autopilot.
ScenariosDebt management
Get out of debt with a plan you can actually see working.
Zealth lines up every balance, tells you which one to hit first, and counts down to the day you owe nothing.
Or start on the web. Free during beta.
QUEST DONE
Rate cut requestedDEBT-FREE DAY
on the calendarApp screen shown for illustration.
Debt feels endless when you can't see the end. So we show you the end.
How Zealth helps01 / Quests 02 / Predictions 03 / Freedom date
Every balance in one place. One clear order to pay it off.
Predictions
Snowball or avalanche? Extra $100 or extra $200? Run the what-ifs on your own numbers and see which finishes first.
Freedom date
Clear the debt and watch your freedom date jump forward. Interest you stop paying is money that starts working for you.
Your quest log
Start the payoff this week.
- Add every card, loan and balance5 min
- Find your highest-interest debt2 min
- Put one extra payment on autopilot3 min
- Ask your card for a lower rate5 min
Example quests. What you see in the app depends on your plan.
Hypothetical prediction
What if you paid an extra $150 a month?
Same debts, same rates. Just a bit more each month.
- Minimum payments
- Debt-free Mar 2031
- With +$150 a month
- Debt-free Aug 2029
19 months sooner.
Illustrative example only. Your numbers will differ.
What Zealth does for you
Your debt-free day goes on a calendar, not in the back of your mind.
Snowball or avalanche? See which one wins on your numbers.
Every payment moves the bar. You'll feel the progress, not just hope for it.
How it plays out · Illustrative case
Marcus, 29. Three cards and a car loan.
He pays every bill on time. The balances just never seem to go down, and he's stopped opening the statements.
- Week 1
Puts all four debts in one view. First time he's seen the full number. Debt-free date: March 2031.
- Month 1
Tests snowball against avalanche, picks one, and sets an extra $150 a month on autopilot.
- Month 8
First card paid off. Debt-free date: August 2029. He opens the statements now.
Marcus is an illustrative example, not a real customer.
Quick questions
Worth asking about debt management.
Still curious? The homepage walks through the whole app.
Snowball clears the smallest balance first for quick wins. Avalanche goes after the highest rate first and usually costs less overall. The best one is the one you'll stick with, so test both in Zealth and see.
Find out when you'll owe nothing. Then bring it closer.
Free during beta. Takes about five minutes to set up.
Keep exploring
Wealth buildingWealth isn't one big move. It's a hundred small ones you actually do.SavingSaving gets easier when you can see what it's for.RetirementRetirement shouldn't be a number you're scared to look at.InvestingInvest it, or keep it in cash? See both before you choose.
Examples on this page are illustrative and don't guarantee future results.