ZeroBasis

Stop paying 29% APR on your credit cards. ZeroBasis is a private, manual tracker designed specifically for managing 0% credit card balance transfers and money transfers. When you juggle multiple 0% credit cards, missing a single expiry date can cost you hundreds in unexpected interest. Traditional budgeting apps demand your bank logins via Open Banking just to track this—we don't. With ZeroBasis, your financial data remains yours. Simply input your credit card limits and transfer details manually. Our engine automatically calculates your safe "Spending Surplus" (your interest-free emergency buffer) and provides a visual timeline of when your 0% promotional periods expire. Key Features: • 🔒 100% Private: No bank connections, no Open Banking, no data selling. • 📊 Visual Expiry Timeline: Never miss a 0% credit card deadline again. • 🧮 Surplus Calculator: Know exactly how much safe, interest-free credit you have left. • 💳 Multi-Card Management: Track balance transfers, money transfers, and 0% purchase offers in one dashboard. ZeroBasis is completely free to use for casual tracking (up to 2 credit cards), with an optional Premium upgrade for power-users managing complex debt ladders. Take control of your debt today.