Support & FAQ

Adding your first debt is easy:

1. Tap the "Add Debt" button on the Dashboard
2. Enter a name for your debt (e.g., "Credit Card", "Student Loan")
3. Select the debt type from the dropdown
4. Enter the current balance
5. Add interest rate (optional but recommended for accurate projections)
6. Set minimum payment amount
7. Choose a due date
8. Tap "Save"

There are two ways to record a payment:

Method 1: From Dashboard

1. Tap "Add Payment" in Quick Actions
2. Select the debt you paid
3. Enter the payment amount
4. Choose the payment date (defaults to today)
5. Add optional notes
6. Tap "Save Payment"

Method 2: From Debt Details

1. Tap on a debt to view details
2. Tap the "Add Payment" button
3. Enter payment details
4. Tap "Save"

Your debt balance will automatically update!

When you first open DebtZero, you'll go through a simple 3-step onboarding:

1. Welcome: Learn about DebtZero's privacy-first approach
2. Currency Selection: Choose your preferred currency (can be changed later)
3. Completion: See key features and start using the app

No! DebtZero is designed to work completely without an account. This means:

• ✅ No email or phone number required
• ✅ No passwords to remember
• ✅ No login process
• ✅ Complete privacy - your data stays on your device

Just download the app and start tracking your debts immediately!

DebtZero shows your progress in multiple ways:

• Dashboard Hero Card: See overall progress percentage and total debt
• Progress Charts: Swipe through cards to see debt breakdown by category and individual debts
• Debt Details: Tap any debt to see payment history and payoff timeline
• Analytics (Premium): Access detailed charts and month-over-month trends

The app automatically calculates your progress based on original debt amounts vs. current balances.

DebtZero sends local notifications to remind you about upcoming payments:

1. Go to Settings > Notifications
2. Enable payment reminders
3. Set when you want to be reminded (e.g., 3 days before due date)
4. The app will send notifications for debts with upcoming due dates

Important: Make sure notifications are enabled in iOS Settings > DebtZero > Notifications

Yes! DebtZero supports unlimited debts across various categories:

• 💳 Credit Cards
• 🏠 Mortgage
• 🎓 Student Loans
• 🚗 Car Loans
• 💰 Personal Loans
• 🏥 Medical Bills
• 📝 Other (for any other type)

Each debt type has its own icon and you can customize the color for easy identification.

To Edit a Debt:

1. Tap on the debt from your Dashboard or All Debts list
2. Tap the "Edit" button (pencil icon)
3. Make your changes
4. Tap "Save"

To Delete a Debt:

1. Swipe left on the debt in your list
2. Tap the red "Delete" button
3. Confirm deletion

DebtZero Premium includes comprehensive budget management:

1. Tap "View Budget" from Quick Actions
2. Create budget categories for:
   • Income (salary, freelance, etc.)
   • Expenses (rent, groceries, utilities, etc.)
   • Savings (emergency fund, investments, etc.)
3. Set budgeted amounts for each category
4. Track actual spending vs. budget
5. See surplus/deficit on the Dashboard

The Dashboard shows your monthly income vs. expenses summary and how much you have available for extra debt payments.

Yes, with DebtZero Premium!

Export features:

• Export all your financial data in JSON format
• Save to Files app, iCloud Drive, or share via email
• Use exported data for backup or migration
• Import data back if needed

To Export:

1. Go to Settings > Export Data (Premium only)
2. Tap "Export JSON"
3. Choose where to save the file

Premium is a one-time purchase that unlocks:

• ✅ Ad-Free Experience - Remove all banner ads
• ✅ Budget Management - Create unlimited budget categories
• ✅ Advanced Analytics - Detailed charts and insights
• ✅ Data Export - Export in JSON format
• ✅ Priority Support - Faster response times
• ✅ All Future Premium Features - Get every new premium feature at no extra cost

DebtZero Premium is available as a one-time in-app purchase. Check the app for current pricing in your region.

Why one-time instead of subscription?

We believe in fair pricing. Your financial journey shouldn't come with recurring fees. Pay once and own it forever!

Upgrading is simple:

1. Tap "Upgrade Premium" in Quick Actions or Settings
2. Review premium features
3. Tap "Purchase Premium"
4. Complete purchase with Face ID/Touch ID
5. Premium features unlock immediately!

Your purchase is tied to your Apple ID and syncs across all your devices signed in with the same account.

All purchases are processed through Apple and are subject to Apple's refund policies.

To request a refund:

1. Go to reportaproblem.apple.com
2. Sign in with your Apple ID
3. Find your DebtZero Premium purchase
4. Select "Request a Refund"
5. Choose a reason and submit

Apple will review your request and respond within a few days. If you need assistance, contact us at support@debtzero.app

Yes! Your Premium purchase works on all iOS devices signed in with the same Apple ID:

• iPhone
• iPad
• iPod Touch (if supported)

Just download DebtZero on your other devices and Premium will automatically activate. No need to purchase again!

Your financial data is stored locally on your device using iOS Core Data. This means:

• ✅ Data never leaves your device by default
• ✅ We cannot access your financial information
• ✅ Works completely offline
• ✅ Protected by your device's security (passcode, Face ID, Touch ID)

Optional iCloud Sync: You can enable iCloud backup to sync data across your Apple devices. This encrypts and uploads data to your personal iCloud account (not our servers).

Yes! Your data security is our top priority:

• 🔒 Local Storage: Data stays on your device, encrypted by iOS
• 🔒 No Cloud Servers: We don't have servers that could be hacked
• 🔒 No Account Required: No passwords to steal or accounts to breach
• 🔒 Sandboxed App: Your data is isolated from other apps
• 🔒 iCloud Encryption: If enabled, data is encrypted in transit and at rest

Best Practices:

• Enable a strong device passcode
• Use Face ID or Touch ID
• Keep iOS updated
• Enable iCloud backup for redundancy
• Regularly export your data (Premium)

Absolutely not! We have a strict no-data-selling policy:

• ❌ We don't sell your financial data
• ❌ We don't share it with third parties
• ❌ We don't use it for advertising
• ❌ We don't even have access to it (it's on your device!)

The only data we collect is anonymous usage analytics (which features are used, crash reports) to improve the app. This data cannot be traced back to you.

Read our full Privacy Policy for details.

Currently Coming Soon! iCloud sync is planned for a future update.

When available, you'll be able to:

• Sync data across iPhone, iPad, and other iOS devices
• Automatic backup to your iCloud account
• Restore data if you get a new device

For now: Use the Export Data feature (Premium) to manually back up your data.

If DebtZero is crashing or freezing, try these steps:

1. Force Close the App:
   • Swipe up from bottom and pause (iPhone X+)
   • Double-click Home button (older iPhones)
   • Swipe up on DebtZero to close
   • Reopen the app
2. Restart Your Device: Power off and back on
3. Update iOS: Settings > General > Software Update
4. Update DebtZero: Check App Store for updates
5. Free Up Storage: Ensure you have at least 500MB free
6. Reinstall the App: Delete and reinstall from App Store (your data is saved locally)

If the issue persists, contact us at support@debtzero.app with details about when the crash occurs.

If your debts or payments are missing:

1. Check if showing archived/inactive debts: Some debts may be marked inactive
2. Verify you're on the right device: Data is stored locally per device (unless iCloud sync is enabled)
3. Check iCloud sync status: If enabled, ensure you're signed into the same Apple ID
4. Look for app updates: Update to latest version
5. Restore from backup: If you exported data previously, you can import it back

Contact support if data loss occurred after an update or crash: support@debtzero.app

If you're not receiving payment reminders:

1. Check iOS Notification Settings:
   • Settings > Notifications > DebtZero
   • Ensure "Allow Notifications" is ON
   • Check notification style (Banners, Alerts)
2. Check In-App Settings:
   • DebtZero > Settings > Notifications
   • Enable payment reminders
   • Set reminder timing (e.g., 3 days before)
3. Check Do Not Disturb: Disable Focus modes temporarily
4. Verify Debt Due Dates: Ensure debts have due dates set
5. Test Notification: Set a test reminder for tomorrow

If you purchased Premium but features are locked:

1. Restart the App: Force close and reopen
2. Restore Purchases:
   • Go to Settings > Premium
   • Tap "Restore Purchases"
   • Wait for confirmation
3. Check Apple ID: Ensure you're signed into the Apple ID used for purchase
4. Verify Purchase:
   • Settings > [Your Name] > Media & Purchases > Purchase History
   • Find DebtZero Premium purchase
5. Update App: Install latest version from App Store

Still having issues? Email us at support@debtzero.app with your purchase receipt.

DebtZero uses standard interest calculation formulas, but results may vary from your actual statements because:

• Credit card interest is often calculated daily with varying rates
• Lenders may use different compounding methods
• Fees, late charges, and other factors aren't included
• Promotional rates or rate changes affect calculations

Best Practice: Use DebtZero for estimates and tracking, but always verify exact amounts with your lender's statements.

To change your currency:

1. Go to Settings
2. Tap "Currency"
3. Select your preferred currency from the list
4. All amounts will update immediately