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 to Automate and Take Complete Control
Upgrade anytime (risk-free) to unlock powerful ReadyForZero PLUS 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 ReadyForZero PLUS User
Upgrade Make One-time and Recurring Payments
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.
Upgrade Calculate Time and Interest Savings
Receive immediate feedback on interest and time savings as you tackle debt faster.
Upgrade Track Your Credit Score
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?