Tackle Debt and Protect Your Credit

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

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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.

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Free Visualize Progress

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

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Free Reminders and Notifications

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

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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
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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.

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

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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?