Tackle Debt and Protect Your Credit

Pay down and track any debt while protecting your credit - automatically.

Get Your Free ReadyForZero Plan

Take back control with a free plan. Get a 360-degree view and make smarter financial decisions. ReadyForZero's award-winning online and mobile planning tool is free forever.

Free Visualize Progress

Link all your accounts (student loans, credit cards, mortgages), make a personalized payoff plan, and track your progress.

Free Reminders and Notifications

Actively track account changes, payment due dates, money savings and a lot more.

Free Mobile Support

Receive alerts and access your finances and track progress anytime, on-the-go.

Upgrade anytime (risk-free) to unlock powerful features: $10 per month or $15 per month with extra credit features. Boost your plan with automatic payments while protecting your credit.

“I’m still over the moon that I was able to pay down all my high interest debt and I credit ReadyForZero with keeping me on track. You made me feel like I was pursuing a goal rather than barely staying ahead of ever-mounting debt. It’s a subtle difference in thought but it made a huge impact on me.”
— Abby, A Happy User

Send one-time payments when you have cash or set up automatic recurring monthly and biweekly payments to avoid fees and save money on interest.

Receive immediate feedback on interest and time savings as you tackle debt faster.

Get your VantageScore 3 credit score (provided by Experian), which we’ll update monthly for you. What better way to measure your financial health and succeed financially?