See exactly when your money runs out. Simulate, optimize, plan ahead.
Monthly budgets hide the truth. AvoidZero shows you the real picture — your exact cash flow day by day, with every paycheck, bill, and subscription mapped on a timeline. No averages, no surprises. And your financial data never leaves your device.
Enter your current balance, your income sources (paychecks, benefits, one-time deposits), and your expenses (rent, subscriptions, debts, daily spending). AvoidZero projects your balance forward day by day and reveals your financial runway — the exact date your money runs out if nothing changes.
Every paycheck is a jump up. Every bill is a drop. The result is a sawtooth pattern — the true shape of your cash flow, not a monthly average. The lowest point on that line is your most vulnerable day. Seeing it once changes how you plan.
Tap any day to see your projected balance, upcoming events, and the path forward.
Run thousands of randomized futures under four stress scenarios — Stable, Inflation, Recession, Stagflation.
Find the best allocation across multiple debts for minimum interest, fastest payoff, or maximum cash-flow relief.
When cash is tight, triage your bills — which to pay, which to delay, which to skip. Estimates late fees per strategy.
Reschedule flexible bills to smooth cash-flow dips and reduce overdraft risk.
Answer "can I afford this target?" with month-by-month probability of success.
Model "current situation" vs. "after a raise" vs. "if I move cities" side by side.
Export a single .rclock file. Move between devices. Your data, your control.
Automatically scales computation across your device's available processors for faster, more precise results.
Not a financial advisor. AvoidZero is a financial simulation tool — it does not replace professional financial guidance. All projections are estimates based on the data you provide. Always consult a qualified financial professional before making important financial decisions.
AvoidZero requires no special permissions. It does not access your contacts, location, camera, microphone, or storage (beyond backup files you explicitly create). It has no servers, so there is no cloud to leak. It uses no analytics, no advertising, no telemetry. Your financial data is yours alone, on your device.
Read the full Privacy Policy.
All purchases are one-time. No subscriptions, no recurring billing, no ads, ever. All 6 languages (EN, ES, FR, DE, PT, IT) are included free at every tier.
Coming soon to Google Play. This page will link to the Play Store listing once approved.
Have questions before launch? Email us.