Why this exists

My dad told me for years: when you retire, walk in owing nothing.

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

GoToZero is almost ready.

Join the early notification list, then preview the dashboard concept below: every debt, one countdown to zero.

Total debt today
$400,000
Debt-free
March 2029
your starting plan
Mortgage HELOC Auto loan Credit cards
Credit cards 23% APR · highest first $15,000 Nov 2026paid off
Auto loan 6% APR $20,000 Sep 2027paid off
HELOC 9% APR $50,000 Dec 2028paid off
Mortgage 6% fixed $315,000 Mar 2029debt-free 🎉
Biweekly payments a 13th payment a year
+$300/mo extra to the highest-rate debt
Annual lump sum next year's bonus

↑ Flip a strategy — every payoff date and the debt-free date move earlier.

The levers

Four ways to pull the date closer

📅

Biweekly

Half-payments every two weeks add a full 13th payment each year.

Monthly extra

A fixed amount aimed at your highest-rate balance first.

🎯

Annual lump

Schedule a yearly bonus or refund years ahead of time.

Stackable

Run all three across every debt — we model the compound effect.

Coming soon

Want to know when it's live?

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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✓ Thank you — you'll hear from me personally.

No spam, no selling your data. Just one message at launch.