NivaZero

Model revolving credit lines, overdrafts, and installment loans with the same rules banks apply. Focus on freeing cashflow quickly and snowballing it into the next account.

Start month Additional monthly budget (EUR) Minimum withdrawal amount (EUR)

Maintain fixed payment once a debt is targeted

Lock the snowball amount applied in the first focused month and keep paying that figure until the account clears.

Roll shrinking minimums into the extra pool

When a bank lowers its required payment, reassign the freed amount (rounded in €10 steps) to your additional budget.

Lock bank minimums at month one

Keep each account's minimum repayment fixed at its first-month value, preventing lenders from lowering it later.

Only withdraw if an account can be fully paid off

Combine withdrawals across eligible accounts only when the total can close another account in full.

Minimum payments follow each bank's rule set. Once an account is cleared, its minimum payment is recycled into the snowball pool to accelerate the next payoff.

Tip: For revolving products, insurance typically runs 0.8–1.2% of the outstanding balance per month and maintenance fees range from €3–€8. Use nominal APR for installment loans, effective APR for overdrafts with compound interest.

Calculations are deterministic and stay in your browser—only numbers are sent to the server.

Define at least one account to see the payoff sequence month by month.

Accounts

Cashflow release plan

Account runway

Monthly timeline

Withdrawals & transfers