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Hello from Path to Zero!
Hello everyone! We are happy to share our first piece of news: Path to Zero is ready and will be released soon. We are continuing the work leading up to launch. There is no announced release date yet, and the app is not available to download today.
Path to Zero is a loan calculator for iPhone and iPad. At its heart is a simple question: when will my debt reach zero, and what changes if I pay extra? Not just a monthly payment, but a view of the whole repayment path.
A loan calculator that shows what changes
Loan decisions rarely end with one number. A monthly payment may look manageable, but you still want to understand the total interest, the remaining term and what an early payment would do.
Path to Zero brings those questions together:
- Loans, mortgages and 0% installments. Enter the terms of an existing loan or work through an offer you are considering.
- A repayment schedule. See payments by date, with principal and interest, plus totals by year and for the full loan.
- Extra payments. Compare shortening the term with lowering the monthly payment before choosing an option.
- Rate changes and refinancing. Explore how different terms affect the payment and interest, including refinancing fees.
The figures are estimates based on the terms you enter. A bank's interest-accrual and rounding rules may differ, so the app does not replace your contract or your lender's statement.
A look at the app
Here is a real screen already shown on our website: a debt-free date, a repayment curve and prepayment controls together. The original path remains visible, so you can compare it with the changed one.
An existing Path to Zero screen. The figures shown are an illustration, not a prediction for your loan.
Your loans stay with you
The app works offline, without an account, ads or analytics. Loan data stays on your device and may be included in your device's backup. These are the app's privacy choices; the website has its own privacy policy.
What comes next?
We will announce availability in this blog. We also want to use it for practical explanations: what extra payments change, how to read a repayment schedule and what to look at when comparing loan offers.
Thank you for being here at the start. If you have a question or an idea, write to us — we would be happy to hear it.
Path to Zero is ready. The next step is release — we will share the news when it is available.
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