Live tool: https://ababa1326.github.io/zeroends/
A 0% intro APR is temporary. ZeroEnds tells you exactly what to pay each month so your balance reaches $0 before the promo ends, and shows what the interest cliff costs if your current payment pace leaves a balance behind.
- Enter your current balance and either the exact promo end date or your account opening date plus promo length
- See the fixed monthly payment needed to reach $0 before the deadline
- Check whether your current monthly payment is on pace and estimate the first-year interest on any leftover balance
- Flag deferred-interest financing, where even $1 remaining can trigger retroactive interest
- Download a one-time calendar reminder (.ics) for 30 days before the promo ends
Everything runs in your browser. No accounts, no server, no analytics, no connection to your bank — the numbers you type never leave the page.
One self-contained index.html. Vanilla JavaScript, zero dependencies, no build step.
Hosted free on GitHub Pages.
ReportsLow — a free statement-date calculator that tells you what to pay before your credit card balance is reported.
Educational tool, not financial advice. Confirm your promo end date, regular APR, and deferred-interest terms in your card agreement or statement.