Logo ZeroBasis
How it Works Pricing
Public Beta - Early Access

Track 0% Balance Transfers.

The private finance manager for 0% Credit Card Balance Transfers, Money Transfers, and Purchase Offers.

Avoid massive interest rate hikes. Calculate your true spending surplus and plan the perfect payoff strategy.

100% Private. No bank login required.

Tip: Tap the [ ] icon to watch fullscreen

Master your Debt

Simple tools to prevent financial mistakes.

Track Your Surplus

Visualise the gap between your secured 0% deals and your actual card balance. Keep this figure green to ensure you never spend beyond your interest-free limit.

Expiry Warnings

Never miss a deadline. We highlight upcoming expiry dates well in advance, giving you time to refinance or pay off your balance before standard APR hits.

Private & Manual

We do not connect to your bank accounts. Your data remains yours. Simply input your balances manually for total control, privacy, and peace of mind.

Simple Pricing

Start for free. Upgrade when you need more power.

Free Starter

£ 0 /forever

Perfect for tracking a single balance transfer.

  • 2 Credit Cards Max
  • 1 Bank Account
  • 1 Active Transfer
RECOMMENDED

Premium Access

£ 2.99 /month

Less than the cost of one day's interest.

  • Unlimited Cards & Banks
  • Unlimited Transfers
  • CSV Data Export
  • Track Purchase Promos

Frequently Asked Questions

What is a Spending Surplus?

Your Spending Surplus is the difference between the cash you have secured via 0% transfers and your current card balance. A positive surplus acts as an interest-free emergency buffer.

Is ZeroBasis safe?

Yes. ZeroBasis is a manual tracking tool. We do not connect to your bank accounts using Open Banking, meaning we never see your login credentials or transaction history. Your data is stored securely via Google Firebase.

ZeroBasis

Financial clarity for the modern borrower.

Legal

© 2024 ZeroBasis. All rights reserved.
ZeroBasis

ZeroBasis

Sign In

Or
Don't have an account?

Create Account

Already have an account?

Verify your Email

We sent a verification link to your email address. Please click the link to activate your account.

Note: If you don't see it within 1 minute, please check your Spam or Junk folder.

Logo ZeroBasis
Free

Dashboard

Utilisation

0%

Balance Breakdown

Transfer Expiry Timeline

SWIPE

Your Assets & Balances

Transfers

Show Expired

Help & Support

Quick Start Guide

Watch this quick masterclass to learn how to add cards, track your surplus, and manage expiry dates effectively.

! Understanding "Spending Surplus"

Your Spending Surplus is the difference between all active 0% Transfers on a card and that card's Actual Balance.

Green (Positive) Surplus: This means you have more 0% credit secured than debt owed. Effectively, this is your Emergency Buffer—money you can spend on the card without triggering immediate high interest rates.

Red (Negative) Surplus: Your debt exceeds your 0% arrangements. You are likely paying standard interest on the difference.

Debt Payoff Strategies

ZeroBasis is a tool to help you manage and visualise your debt. Here are common strategies you can use with this data:

1

The ZeroBasis Strategy (Time-Based)

Focus on the Expiry Date. Prioritize paying off transfers that are about to expire. Use the dashboard "Expiring Soon" warnings to avoid reverting to standard APR.

2

The Avalanche (Interest-Based)

Mathematically the most efficient. List all debts by Interest Rate (highest to lowest). Pay minimums on everything, but throw all extra cash at the highest interest debt.

3

The Snowball (Momentum-Based)

Psychologically rewarding. List debts by Balance Size (smallest to largest). Pay off the smallest balance completely first to get a "quick win" and build momentum.

App Workflow

  • Add Cards: Input your credit cards and bank accounts.
  • Log Transfers: Whenever you move money (Balance Transfer, Money Transfer), record it here.
  • Promo Spending: If a card has a "0% on Purchases" offer, enable it in the card settings. The app will auto-calculate your spending as a virtual transfer.
  • Update Monthly: Update your balances manually as often as you want, but try to do it at least once a month when your statements are released.

Settings

Subscription

Free Plan

Upgrade for unlimited access

Premium Active

Thank you for your support

Account

Signed in as

Version 2.27.04

Data Management

Save a secure file to your device.
Note: Restoring a backup that exceeds Free limits requires an active Premium subscription.

Legal

Currency

Portfolio Management

Need a fresh start? You can wipe your financial data (cards & transfers) here.
Note: This keeps your account and Premium subscription active.

ZeroBasis Assistant
Hi! I can help you with ZeroBasis. I'm not a financial advisor, but I can show you how to use the app.

How ZeroBasis Works

1

Add Cards & Banks

Add your credit cards (Debts) and bank accounts (Assets).

2

Log Transfers

Record when you move money. Use Balance Transfer for Card-to-Card, or Money Transfer for Card-to-Bank.

3

Track Expiry

See your "Spending Surplus" and get warnings before 0% deals expire.

•

Terms of Service

1. Data Accuracy & User Responsibility
ZeroBasis is a manual tracking tool. The financial data displayed is entirely dependent on the inputs provided by you. We do not connect to banking institutions.

2. Not Financial Advice
The calculations and expiry warnings provided by ZeroBasis are for informational purposes only.

3. Subscriptions, Cancellations, and Refunds
3.1. Billing: ZeroBasis Premium is billed on a monthly basis. You can manage or cancel your subscription at any time via the "Settings" page in the App.
3.2. Cancellations: If you cancel, your Premium access will continue until the end of your current billing period. You will not be charged for the following month.
3.3. Refunds: Monthly fees are generally non-refundable once the billing period has started. However, if you are a consumer in the UK/EU, you have a statutory right to cancel within 14 days of your initial purchase ("Cooling-off Period"), provided you have not significantly utilized the Premium features during that time. To request a refund under this policy, please contact support@zerobasis.app.

Privacy Policy

1. Data Storage
Your data is stored securely using Google Firebase services.

2. No Banking Connections
We do not collect banking login credentials.

3. Payment Information & Third-Party Processors
ZeroBasis does not process, record, or store your credit card, debit card, or bank account details on our servers. All payment transactions and subscription billing are processed securely by our third-party payment partner, Stripe, Inc.

When you upgrade to ZeroBasis Premium, your payment information is transmitted directly to Stripe via an encrypted connection (SSL). Stripe uses and processes your payment information in accordance with its own Privacy Policy. You can read more about how Stripe protects your data here: https://stripe.com/privacy

Add New Card

Active PROMO?

Edit Account

Active PROMO?

Add Transfer

Edit Transfer

To change amounts or types, delete and re-create.

Record Payment

Pay off from a bank account.

Update Balance

Expected Balance for

Confirmation

Are you sure?

History:

Show all reconciliations

Payment Plan

Information

Reset Password

Free Plan

For casual tracking.

  • 2 Cards + 1 Bank Account
  • 1 Active Transfer
RECOMMENDED

Premium

Unlock Everything

  • Unlimited Cards
  • Unlimited Transfers

Billing Portal

We couldn't connect you automatically. Please access the secure portal directly.

Open Billing Portal