For individuals and families
Pay off debt faster and take back your monthly cashflow
NivaZero helps you turn scattered balances into one realistic debt payoff plan. Compare credit cards, overdrafts, and loans side by side, see which debt to attack first, and understand when your budget finally starts to breathe again.
Why NivaZero
Built for real-life debt payoff decisions. If you are trying to get out of debt, small details matter. NivaZero keeps the setup simple while modeling the rules that most affect how quickly you become debt-free.
At a glance
- Strategies compared
- 6
- The best one is applied to your plan automatically.
- Debt types
- 4
- Credit cards, overdrafts, credit lines and installment loans.
- Languages
- 3
- English, Deutsch and Română, without losing your inputs.
- Month per step
- 1
- Every payment, interest charge and balance, month by month.
What it models
The rules that decide your debt-free date
Pick a topic to see how NivaZero handles it. Every number here comes from the built-in example debts.
Real lender minimum payments
Model percentage-based or fixed minimum payments for each debt, including the lowest amount your lender accepts, instead of relying on rough averages.
- Percentage of balance or a fixed amount
- The lowest amount your lender accepts
- Recalculated on each month's balance
A plan your household can follow
See how your required payments and extra monthly budget work together, and when freed payments accelerate the rest of your debts.
- Minimum payments are covered first
- Your extra goes to the current focus debt
- Freed minimums roll into the next debt
Example: €408 in minimums plus €300 extra. The extra goes to one focus debt at a time.
Which debt to pay first
We ran every payoff order on your numbers. The best one is used automatically; pick another to see how it changes your plan.
- Avalanche, snowball and four more orders
- Compared on debt-free date and interest
- Switch to another order in one click
A month-by-month path to freedom
Review charges, payments, and ending balances for every month before you commit, then print the full plan or save it as a PDF.
- Payment, interest and fees, remaining balance
- Milestones when each debt is paid off
- Print, save as PDF or download CSV
| Month | Paid | Interest & fees | Remaining |
|---|---|---|---|
| Oct 2026 | €708 | €126 | €13,918 |
| Nov 2026 | €707 | €118 | €13,329 |
| Dec 2026 | €706 | €111 | €12,734 |
How it works
How to use NivaZero
-
List every debt you want to repay
Add each credit card, overdraft, or loan using the balance, rate, fees, and minimum-payment rule from your statement.
-
Set the extra amount you can afford
Choose a monthly overpayment your household can realistically sustain on top of required minimums.
-
Compare scenarios and choose your next move
NivaZero compares every payoff order for you and uses the best one automatically. Review your month-by-month timeline, or pick another order to see how it changes your plan.
Get started
Ready to build a debt payoff plan you can stick to?
Open the calculator and create a personalized repayment timeline in a few minutes.
Open the debt payoff calculator