Zero looks good on you.
Nully turns paying off debt — and then saving — into a journey you'll actually love. See your real debt-free date, watch it leap closer with every payment, and celebrate each win with people who only cheer.
No shame on this side of zero.
Debt is at a record high — and it's hitting the youngest, hardest. You deserve a way out that doesn't feel like punishment.
Figures reflect cited industry reporting, 2026. Nully is a tracker and motivator — not a lender or advisor.
Most debt tools are a spreadsheet that judges you. Nully is a journey that's on your side.
A plan that moves
Add your debts and Nully shows your exact debt-free date — then a payday-aware plan that tells you what to pay, and when. Every payment visibly drags the date closer.
A place that only celebrates
The feed is wins-only. Milestone cards, debt funerals, the debt-free scream — preset cheers instead of comments. The space physically can't produce shame or spam.
Progress you can feel
"+15 days closer." A live counter of the interest you've defeated. A whole world that grows as you pay. Abstract APR becomes something you can actually watch happen.
Three taps from overwhelmed to on your way.
See your date
Enter your debts — balance, APR (we'll help if you don't know it), minimum. Nully reveals the day you'll be free, and a slider shows how a little extra moves it.
Log a payment
Two taps. Confetti, a Light Capsule, and the line it's all built around — "+15 days closer" — as the date visibly jumps. Found money? Drop a "snowflake" and watch it leap.
Watch it grow
Your private world lifts out of the fog with every payment. Hit a milestone and a beautiful, shareable win-card is ready for the people cheering you on.
The same streak. A second goal.
When you hit zero, the journey doesn't end — it flips to saving. Nully is your one-of-a-kind companion that grows as you build an emergency fund, a trip, a future. Every person's Nully looks and evolves differently, so showing off how yours grew becomes its own reason to keep going.
Built like a game you love — pointed at a goal that changes your life.
The sunrise arc
Your progress as a sun riding to your debt-free date. The whole interface flips coral for paying off, mint for saving.
Snowflakes
Sold something? Skipped takeout? Log found money and watch your date jump — every snowflake counts.
Light Capsules
Every payment earns a surprise reward that lifts the fog on your world. The loot box you can't pay for.
Repairable streaks
Weekly check-ins keep momentum. Miss one? It can always be repaired — a slip never reads as failure.
Debt funerals
"RIP Visa, 2019–2026. You will not be missed." When a debt dies, you get a send-off worth posting.
The debt-free scream
The zero moment — an epic, recordable sequence built from the community's own ritual.
Circles & challenges
Small private pods with a shared kill-count, and challenges ranked by % of your own goal — a $5k journey competes fairly with a $90k one.
What-If simulator
See exactly how an extra $50 a month reshapes your payoff — before you commit a cent.
Life after zero
When you're free, the app becomes your savings companion. The finish line becomes a fresh start.
A debt app shouldn't put you in debt.
The category is either expensive and lecture-toned, or "free" tools that quietly upsell you. Nully undercuts the big name by 80% — and makes money one honest way: a small subscription. No ads. No selling your data. No loan offers, ever.
Per month. And the entire journey — your plan, payments, celebrations, your world — is free forever.
Your numbers stay yours. That's not fine print — it's the whole point.
No bank linking
We never see your accounts. You enter your debts by hand — and that intentional moment is part of the journey.
Local-first
Your data lives on your phone with optional encrypted backup, a hide-numbers blur mode, Face ID lock, and full export.
No ads, no data sales
You're the customer, not the product. We don't run ads and we never sell your information.
No loan offers, ever
No consolidation pitches or debt-product kickbacks — the conflict of interest that poisons trust in this category. Education, never advice.
Start free. Stay free if you like.
The journey is never paywalled. Premium just adds extra tools for the people who want them.
- ✦Unlimited debts & the full plan engine
- ✦Payment logging, celebrations & streaks
- ✦Standard win-cards & debt funerals
- ✦Your growing world, capsules & snowflakes
- ✦Challenges & the wins-only community
- ✦What-If simulator & strategy comparison
- ✦Premium card templates & world themes
- ✦Advanced recaps & Trophy Room customization
- ✦Snowflake analytics & smart payoff nudges
- ✦Everything in Free, always
- ✦Couples & household debt tracking, side by side
- ✦Shared goals, joint payoff plan & combined freedom date
- ✦Split or assign payments with private balances
- ✦Co-op challenges, shared streaks & duet win-cards
- ✦Family world map with everyone's capsules
- ✦Weekly money huddle recap & partner nudges
- ✦Priority support & early access to new features
- ✦Everything in Premium, for everyone on the plan
Your debt-free date is closer
than it feels. Go meet it.
Join the waitlist and be among the first to start your journey when Nully opens.