Real lender minimum payments
Model percentage-based or fixed minimum payment rules for each debt instead of relying on rough averages.
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.
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.
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.
A month-by-month path to freedom
Review charges, payments, and ending balances every month before you commit to a strategy.
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
Run the plan, review your payoff timeline, and adjust the order until it fits your debt-free goal.
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