Why this exists
Not just the mortgage — the HELOC, the car loan, the cards. Every dollar of debt is a dollar your retirement income has to cover. My wife and I are near that line, and we decided to clear all of it in the next three to five years.
The spreadsheets I found tracked a hundred edge cases. We had one question across every balance we owe: when does this all hit zero — and how do we get there sooner?
So I built GoToZero: every debt you carry, one projected date they all reach $0, and a few honest levers to pull it closer.
Coming soon
Join the early notification list, then preview the dashboard concept below: every debt, one countdown to zero.
↑ Flip a strategy — every payoff date and the debt-free date move earlier.
The levers
Half-payments every two weeks add a full 13th payment each year.
A fixed amount aimed at your highest-rate balance first.
Schedule a yearly bonus or refund years ahead of time.
Run all three across every debt — we model the compound effect.
Coming soon
It's a personal tool for now, opening to a few more households soon. Leave your email and you'll be the first to hear.
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No spam, no selling your data. Just one message at launch.