Hi Product Hunt! 👋

I’m Al, the maker of ZeroBasis.

I built this because I got tired of the 'all-or-nothing' approach to debt management. Most apps today force you to link your bank accounts via Open Banking just to see your own data. For those of us who prefer to keep our financial footprint small and our privacy intact, there weren't many great options for tracking the '0% interest' game.

Credit card companies make billions when people miss that one crucial expiry date and get hit with a 29% APR. ZeroBasis is designed to flip the script.

What makes it different:

🔒 Zero Links: No bank logins, no syncing, no data selling.

⚡ The Surplus Engine: It doesn't just track dates; it helps you calculate exactly how much 'spending surplus' (or emergency buffer) you have left. Tracking the expiry dates ensures you aren't caught off guard when the 0% period ends.

✍️ Manual by Design: Taking 30 seconds to enter a transaction manually keeps you significantly more mindful of your debt than an automated feed ever will.

I'd love to hear your thoughts on the UI and if there are any specific 'debt-hacking' features you’d like to see added next!

ZeroBasis is free for casual use (up to 2 credit cards, 1 bank account, and 1 active transfer).

For the power-users juggling a more complex 0% balance transfer "ladder," I offer a Premium tier with unlimited cards and transfers.

For the Product Hunt community today: I’m offering a Lifetime Access pass for a one-time fee (instead of the usual monthly subscription). You can grab the Launch Offer right on the landing page, or via the Upgrade button in settings if you already created a free account!

I'll be here all day to answer questions. Thanks for the support! 🚀