Keep on top of expiring promo rates, high-interest debts, upcoming payments due and statements to enter . Every new change triggers a updated, optimized payoff plan with the new information.

Xeroed uses all the upcoming changes to your interest & payments to look into the future and generate an optimized plan to pay off your debts with minimal interest.

1. Snowball Method: Paying off debts in order of smallest balances first, regardless of interest rate, while making minimum payments on the other debts. Once the smallest balance is paid off, paying off the next larger one, and so on.

Advantage: Helps you visually get rid of the smaller debts first.

Disadvantage: If your larger debts have higher interest rates, you'll end up paying high interest overall.

2. Avalance Method: Paying off debts with the highest interest rates first, regardless of balance remaining. Once the debt with the highest APR is paid off, paying off the next lower one, and so on.

Advantage: Works well if you don't have any expiring promotional 0% APR or low-rate balances, nor plan to take any.

Disadvantage: Expiring promos will remain ignored till their APR shoots up, costing you high interest payment overall.