Zero · Break free from debt

Pay off your debts, one at a time

Zero sorts all your debts and builds a clear plan to pay them off without the overwhelm. You set the pace; Jacko tells you what to pay first and how far you are from zero.

Try me freeSee how it works

No card · Nothing to install.

Works on WhatsApp Telegram Web
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Just ask, in your own words

I have 3 debts, help me sort them Which one do I pay first? Paid 200 on the card
How much is left to be debt-free? What if I pay 100 more a month? When will I be done?

Your debt, before and after

Without Jacko

  • You pay a little on each and none goes down.
  • You don't know how much you owe in total, and would rather not.
  • Interest eats what you pay.

With Jacko

  • A clear plan: what to pay first and how much.
  • You see how far you are from zero, month by month.
  • Every payment counts and you watch it drop.

Why it works

Know what to pay first

Zero prioritizes your debts with the method you pick —snowball or avalanche— so every payment goes further.

Every payment counts

Log a payment and watch the balance drop and your freedom date get closer. Real motivation, not a spreadsheet.

No stress, no guilt

Jacko reminds you ahead of time and adjusts the plan if things change. Your pace, always moving forward.

How it works

From debt to a plan in 3 steps

1

Add your debts

Tell Jacko what you owe: balance, minimum payment and rate. In the app or on WhatsApp.

2

Pick your strategy

Snowball (smallest first) or avalanche (highest interest). Zero builds the plan for you.

3

Pay and progress

Log each payment and watch your progress. Jacko reminds you and celebrates every milestone.

“I had 3 debts and no idea where to start. Zero gave me a plan and I paid off the first in 8 months. Watching the bar drop is addictive.”

Andrea R., Lima

And that is only part of it

Jacko is one assistant for your day and your money. What you connect once works for everything else.

See everything it does
Your day in one messageToday's rundown, or every morningCalendar and meetingsBooks, moves and reminds youWhat matters in your emailAlerts you and reminds you to replyReminders and tasksMessages you right on timeWeb searchIt looks it up, with the sourceExpense trackingKnow where your money goes

Try it for 3 days, all of it

You get all of Jacko from day one. Then pick Lite or Premium, and cancel anytime.

Try me freeSee plans

Answers, not math

"How far from zero?"

The exact balance of your debts and the month you're free.

"What do I pay first?"

Which debt to hit to save the most interest.

"Am I ahead?"

How you're tracking vs your plan and what you've saved.

Start getting out of debt today

Build your Zero plan for free and take the first step toward zero debt.

Start freeFree to start · No card · Works on WhatsApp