Tackle Debt + Protect Credit

Proven financial tools for managing debt, tracking credit, and building wealth.

Step 1: Get Your Free ReadyForZero Plan

Take control of your debt with this free tool. Get a 360-degree view and make smarter decisions on your own with a complete picture of your finances. This award-winning online and mobile planning tool is free forever.

  • Free!

    Your Personalized Plan

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

  • Free!

    Reminders and Notifications

    Actively track deposits, payments, interest rates and money saved.

  • Free!

    Use Your Cash More Wisely

    Link your checking account to get notified of deposits that can be used to save more time and money.

  • Free!

    Take It All with You

    Having access to your personal finances on-the-go is way more fun. Right?

Step 2: Upgrade to Reach Your Financial Goals Faster

Upgrade (or downgrade) anytime to unlock powerful options:
$10 per month or $15 per month with extra credit features

“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

Automate Your Plan with

Boost your plan with automatic payments. Your upgraded plan works for you around the clock with biweekly, monthly, and one-time payments that save you time and money. Automate all your payments to tackle debt faster, and use our deposit alerts to make payment decisions.

  • Upgrade

    Align payments with paychecks automatically

    Set up biweekly payments so that you never miss a payment and send out payments when you have cash.

  • Upgrade

    Visualize savings with every payment

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

Know and Track Your Credit Score with

Upgrade to to 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?

  • Upgrade

    Automatically track your credit score

    Track your credit score and pre-qualify for better financial products.

  • Upgrade

    Stay motivated online or on-the-go

    Feel good about your progress and track your goals in real-time, wherever you are!