Built for landlords · Free while in beta
Every property, credit card, loan, and subscription in one list. Open Zerofy once a month, tick bills paid, and watch the month hit zero — arrears, partials, and overdue months included.
What's inside
Mortgage, utilities, HOA, lawn care — grouped per property, with month-over-month deltas and a maintenance to-do list on each one.
Track balances with a full payment/charge ledger, utilization bars, a balance-over-time chart, and an estimated monthly interest cost from your APR.
A missed bill doesn't just sit there. Rows escalate at 30, 60, and 90 days past due, and prior unpaid months surface until you resolve them.
Owe back-pay on a bill? Track it as a running balance, pay it down inline, and undo mistakes — separate from the regular monthly amount.
Paid half the water bill? Overpaid a card? Zerofy splits it correctly — partials stay open, surpluses allocate to arrears or extra balance pay-down.
12-month history with charts, a printable monthly summary, and full CSV exports of every payment. No lock-in, ever.
How it works
Properties, credit cards, and loans — with starting balances where they apply. Takes a couple of minutes.
Quick-pick chips for the common ones (mortgage, electric, water, insurance…). Monthly or annual, autopay-flagged or not.
Each month every bill resets. Work the list down to zero — balances, ledgers, and history update themselves.
Pricing
All of it. No trial clock, no credit card, no feature gates.
When paid plans arrive, beta users hear first — and keep a generous free tier.
FAQ
No — and that's deliberate. You confirm each payment yourself, which keeps you actually looking at your money once a month, and means Zerofy never needs your bank credentials.
Yes. Your data lives in a Postgres database with row-level security — every query is scoped to your account at the database layer. We don't sell data or run ads, and you can export everything as CSV anytime.
Nothing while Zerofy is in beta — every feature included, no credit card asked. When paid plans arrive later, beta users hear first and keep a generous free tier.
Zerofy is a web app designed to work great on your phone's browser — add it to your home screen and it behaves like an app. A full installable PWA is on the roadmap.
Absolutely. Properties are optional; plenty of the app is just "my cards, my loans, my subscriptions, what do I owe this month?" If you juggle more than a handful of bills, it fits.
Set up your properties and bills tonight — next month opens with a list you can zero out.
Start free