A clear path to becoming debt-free — without the stress
Pay off debt faster without the stress. Track progress, stay motivated, and turn every payment into a win.
No bank connection required
Start safely with manual tracking
Clear payoff direction
Know what to focus on next
Built for motivation
Streaks, wins, and progress moments
Fast and simple
Track debt without spreadsheets
Paying off debt shouldn't feel impossible.
Most people don't lack discipline — they lack momentum.
Multiple debts feel chaotic
Different cards, dates, and minimums — it's hard to even know where you stand.
No clear payoff plan
Without a strategy, every payment feels like guessing. Progress is invisible.
Progress feels slow
When you can't see movement, motivation fades — and life gets in the way.
Everything you need.
Explore the core features that make debt payoff feel clear, consistent, and motivating.
Dashboard
See your total debt, payoff progress, and projected debt-free date in one calm view.
- Know when you’re projected to become debt-free
- One simple place for totals, remaining, and timeline
- Progress bar that moves with every payment
Clarity, momentum and a date you'll actually circle on the calendar.
Zeni replaces overwhelm with a simple, motivating system that meets you where you are.
All your debts in one place
One simple list. One clear total. No more spreadsheets or sticky notes.
A real payoff plan
Pick snowball or avalanche. We do the math — you collect the wins.
Visible progress, every day
Watch your debt shrink with milestones, streaks, and a debt-free date.
Your debt-free plan in 3 simple steps.
A calm workflow that keeps you focused, consistent, and motivated as the balance goes down.
Add your debts
Add balances, minimums, interest rates, and due dates. Zeni organizes everything into one clean view.
Choose your payoff plan
Pick snowball for quick wins or avalanche to save on interest. We turn it into a clear next step.
Track payments and build momentum
Log payments, watch progress move, and keep momentum with streaks, wins, and your projected debt‑free date.
Designed to feel like a win, not a chore.
- First $1,000 paid
- 25% milestone
- 50% milestone
- Final payment 🎉
Real progress from real debt payoff journeys.
Zeni helps make debt payoff feel clearer, more motivating, and easier to stick with.
Early user feedback
Built for motivation
"Zeni makes paying off debt feel less overwhelming. Seeing my progress and streaks keeps me coming back."
"The debt-free date helped everything click. I finally had a clear goal instead of just staring at balances."
"Logging payments feels rewarding. It makes each small payment feel like real progress."
"I like that it’s simple. I don’t need another complicated finance app. I just need motivation to keep going."
"The weekly progress and milestones make the journey feel doable instead of endless."
Questions before you start?
Here are the answers to the things people usually want to know before using Zeni.
Zeni is free during beta.
Full access for now — paid plans will go live later.
Simple pricing for staying motivated with debt.
Start free, build your payoff plan, and keep turning debt progress into small wins. No confusing tiers. No pressure.
Monthly
Flexible access after your free month.
Billed monthly. Cancel anytime.
- Debt payoff dashboard
- Debt-free date tracking
- Progress milestones and badges
- Weekly payment streaks
- What-if extra payment calculator
- Debt payoff motivation feed
- Payment history
- Secure account access
- Cancel anytime
Yearly
Best for staying committed longer.
Billed as $36/year instead of $60/year.
- Debt payoff dashboard
- Debt-free date tracking
- Progress milestones and badges
- Weekly payment streaks
- What-if extra payment calculator
- Debt payoff motivation feed
- Payment history
- Secure account access
- Cancel anytime
Is the first month really free?
Yes. You can try Zeni before deciding if you want to keep using it.
What happens after the free month?
You can choose monthly billing or save with yearly billing.
Can I cancel anytime?
Yes. You are never locked in, and there are no confusing contracts.
Start your debt-free journey your way.
Add your debts and payments manually, or connect your bank account so Zeni can help track transactions and debt payments automatically.