Debt payoff · Budgeting · AI coaching
Become debt-free with a plan you can actually follow.
Tether Zero brings debt payoff, budgeting and a personal AI coach into one calm, guided app — so every dollar has a job and you always know your freedom date.
- Read-only bank connections
- Bank credentials encrypted (AES-256-GCM)
- Export or delete your data anytime
How it works
From scattered accounts to a clear payoff plan
Four steps to take control of your money — most people are up and running in minutes.
Step 1: Connect or add your accounts
Securely link your banks with read-only access through Plaid, or add accounts by hand. Transactions sync automatically so you stop entering them one by one.
Step 2: Build a budget in minutes
The Smart Budget Wizard asks a few questions about your life and seeds a personalized, zero-based budget — only the categories you actually need, not a generic template you have to prune.
Step 3: Pick your payoff strategy
Choose snowball or avalanche and the Debt Crusher projects your debt-free date, the interest you'll save and the months you'll shave off — recalculated instantly.
Step 4: Stay on track with Zero
Your AI coach answers money questions in plain language and flags what needs attention — and always confirms with you before making any change.
Capabilities
Everything you need to reach zero
One app for paying down debt, budgeting with intention and understanding your money.
Debt Crusher Engine
Compare snowball and avalanche side by side, see a projected debt-free date, and apply windfall “snowflake” payments to get there faster.
Hybrid budgeting
Zero-based budgeting with sinking funds and smart splits, so every dollar has a job and irregular bills never catch you off guard.
Automatic transaction sync
Read-only Plaid connections import transactions for you, and Smart Match learns your categories as you go.
Zero, your AI coach
Ask questions in plain language and get answers grounded in your real household data — with a confirmation before any change.
Freedom Dashboard & insights
Net worth, income vs. expense, age of money and top payees — plus a forward-looking burndown to your freedom date.
Goals & milestones
Set shared savings goals, track pacing, and mark milestones at 25/50/75/100% as your goal image comes into focus.
Shared household access
Invite a partner or advisor by email with role-based permissions — Admin, Editor or Viewer — without sharing a login.
Available in three languages
Use Tether Zero in English, French or Spanish across budgets, goals and insights.
Privacy & security
Read-only bank access, AES-256-GCM-encrypted credentials, and one-click data export or account deletion (GDPR/CCPA).
Illustrative example using sample debts — not financial advice. Your results depend on your actual balances, APRs and budget.
Debt Crusher Engine
See your debt-free date — and pull it closer.
Toggle between snowball and avalanche and watch the projection recalculate instantly, right in your browser. The Debt Crusher accounts for promotional APRs, rolls each freed-up minimum payment into your next debt, and shows the interest and months you'll save versus paying the minimums.
- Snowball vs. avalanche, compared side by side
- A projected debt-free date with interest and months saved
- Apply a bonus or tax refund as a “snowflake” and see the impact
- Month-by-month amortization for every debt
Freedom Dashboard & Insights
A dashboard that looks forward, not just back.
Most apps tell you where your money went. Tether Zero also shows where you're headed: a Freedom Horizon burndown projects your path to debt-free, while wellness cards track net worth, income vs. expense, age of money and your top payees — each with period-over-period trends.
- Forward-looking burndown to your freedom date
- Net worth and income-vs-expense at a glance
- Age of money and top-payee insights
- Period-over-period trends so you can see progress
Meet Zero
An AI coach that does more than explain.
Zero answers questions in plain language using your real household numbers — “Am I on track this month?”, “Snowball or avalanche?” — and suggests next steps based on your role. It always confirms before making a change, so you stay in control.
- Conversational guidance grounded in your data
- Proactive nudges on what needs your attention
- Role-aware: suggestions for editors, explanations for viewers
- Confirmation-first — nothing changes without your yes
Why Tether Zero
Why Tether Zero
How Tether Zero compares with two popular budgeting apps. Each app is great at what it does — here's where Tether Zero focuses.
| Capability | Tether Zero | YNAB | EveryDollar |
|---|---|---|---|
| Guidance | Active AI coach | Passive education | Passive coaching |
| Debt strategy | Snowball & avalanche simulator | Static accounts | Rigid snowball |
| Forecasting | 12–24 month projection | Present only | Current month only |
| Visuals | Dynamic, forward-looking | Static charts (past) | Simple progress bars |
| Couples | Role-based access (Admin/Viewer) | Shared login | Shared login |
Comparison reflects Tether Zero's product focus and is provided for general guidance. Competitor capabilities change over time — check each provider for current details.
Pricing
Simple pricing, no surprises
Start with a 30-day free trial. Keep going for less than the cost of a couple of coffees a month.
Free trial
Start hereFull access to every feature so you can build your plan before you pay.
- Every Premium feature included
- Build your budget and payoff plan
- No long-term commitment
Premium
Billed annually at $92.28 — save $39.60 a year
Everything in Tether Zero, billed monthly or annually.
- Debt Crusher Engine & strategy simulator
- Hybrid budgeting, sinking funds & smart splits
- Automatic bank sync via Plaid (read-only)
- Zero, your AI coach
- Freedom Dashboard & insights
- Shared household access (Admin / Editor / Viewer)
- English, French & Spanish
Automatic bank sync via Plaid is a Premium feature. Every plan starts with a 30-day free trial.
FAQ
Frequently asked questions
- Your trial includes full access to every feature. When it ends, you can subscribe to Premium — $10.99 per month, or $92.28 per year ($7.69 per month) — to keep your budget, debt plan and insights going.
- Yes. Bank connections use Plaid with read-only permissions, which means Tether Zero can see your transactions and balances but can never move money. Stored bank credentials are encrypted with AES-256-GCM.
- Yes. Create a household and invite a partner or financial advisor by email with a role — Admin, Editor or Viewer — so you collaborate on the same data without sharing a single login.
- Tether Zero connects to banks through Plaid. Specific country and institution coverage is being finalized — contact us for the latest supported list.
- You can manage or cancel your subscription from your account settings. Exact cancellation and refund terms are confirmed at checkout.
- Tether Zero runs in your web browser, and this site is fully responsive. A mobile-optimized app experience is on the roadmap — reach out if you'd like updates.
Ready to get to zero?
Start your 30-day free trial and see your freedom date today.
Start your 30-day free trial