Zero Route Ledger

Each debt becomes a path on your board. In Zero Route Ledger, you organize your personal planning on a route map, with monthly spaces, progress milestones, and flags indicating projected completion dates. PLAN ONE MONTH AT A TIME Enter the balance, interest rate, and payments for each debt. Set the amount available for the month and distribute it among the routes. Check the minimums, the total allocated, and the money you can still distribute before confirming the move. CHOOSE THE DESTINATION OF THE EXTRA AMOUNT When planning a payment above the usual amount, explore two options: • Shorten the route: maintain the planned monthly payment to anticipate the projected completion date. • Ease the next month: recalculate the planned payment to maintain the projected completion month, respecting the mandatory minimum, when this option is available. Compare the effects on deadlines, future payments, and estimated interest before choosing. With each confirmed move, the spaces, milestones, and flags on the board reflect the new plan. UNDERSTAND THE SCENARIOS Consult monthly charts and schedules with balance, interest, and amortization. Compare up to three of your own routes or three strategies for the same debt. When a plan doesn't allow you to pay off the balance, this condition will be indicated. TRACK YOUR JOURNEY • Record payments and adjust entries in the history, with recalculation of subsequent months. • Create goals linked to your routes. • Save notes and consult reminders within the game. • Explore 18 articles on financial concepts and track 24 motivational badges. • Undo the last change, even after restarting the application. If a month falls below the minimum or without payment, the route will be recalculated and you can continue planning in the following month. TOTALLY OFFLINE Your data and history are stored locally on the device. The wallet uses a single currency, without currency conversion. Reminders appear within th