Country and language: English · Spain
Nada

Features

Nada shows you the day you will be debt-free, and helps you get there sooner. Screens below use sample numbers.

Home

A date, not a spreadsheet

Your debt-free date is the biggest thing on the screen: months to go and the month you will be done.

  • Left to pay and paid so far, with a progress bar
  • This month: what is due, debt by debt, and Mark all paid in one tap
  • Heads-ups when a 0% offer is ending, or a minimum payment never clears the debt, with a fix one tap away
Nada home screen: months to debt-free, left to pay, and this month’s payments.

Debts

All your debts in one place

Cards, loans, car finance, student loans, home, buy now pay later and money owed to family.

  • Amount owed, interest rate, minimum payment and due day
  • The minimum can be a fixed amount, or a percent of the balance with a floor, like a real credit card
  • 0% and special offers: the offer rate, when it ends and the rate after. Deferred interest too
  • Pause payments until a month you choose
  • Delete with Undo, or mark a debt as paid off
Nada debts list with each debt and its payoff date.

Honest maths

Interest the way lenders work it out

Nada asks for the rate your lender quotes, and tells you which number not to use. It knows the rate names for 10 countries.

In Spain, Nada asks for the “TIN”, and warns you not to use the “TAE”.

  • Spain
  • Portugal
  • Mexico
  • Argentina
  • Colombia
  • Chile
  • Peru
  • Brazil
  • United States
  • United Kingdom

When a minimum payment does not even cover the interest, Nada warns you kindly. It shows monthly amounts that clear the debt in 1, 2 or 3 years.

Nada warning that a minimum payment never clears the debt, with monthly amounts that fix it.

Plan

Pick your way out

  • Avalanche: highest interest first. Least interest paid
  • Snowball: smallest balance first. Quick wins
  • My order: drag your own order Pro
  • An extra-each-month slider: watch the date and the interest change as you slide
  • Month by month: the whole schedule, by month or by debt
  • Extra and pay day: set the monthly extra and when you are paid
Nada plan screen with the method choice and the extra-each-month slider.
Nada compare screen: avalanche, snowball and minimums only, side by side.

What if

Nudges, not nagging

See what an extra €50 a month, a tax refund or a smaller bill does to your date, in months and money, before you commit.

  • Compare avalanche, snowball and minimums only: months, payoff date, total interest, first debt gone
  • What if plans: more, less or a one-off Pro
  • Plan a bonus or tax refund for a future month
Nada what-if screen showing how a change moves the debt-free date.

Budget

Plan the whole month, then put what is left to work

The Budget tab shows what comes in, what goes out and what is left over. Then it puts that money to work on your debts.

  • Income and outgoings, each weekly, every 2 weeks, every 4 weeks, monthly or yearly. Nada turns it all into a monthly figure
  • 10 categories with icons. Each outgoing is a need or a want
  • Bills you add in Pay count automatically. Nothing is typed twice
  • Yearly costs, like car insurance or Christmas, become a monthly set-aside
  • A to your debts slider: see the months sooner and the interest saved, then make it your plan Pro
  • A 50/30/20 check with a gentle hint, like trimming wants to finish sooner

Free: up to 3 lines and the left-over figure. Pro: unlimited lines, the slider and the months-and-money nudges. No bank connection.

Nada budget screen with income, outgoings, debt minimums and left over.
Nada budget slider showing the debt-free date sooner and the interest saved.

The 50/30/20 check

Needs, wants, and debts and savings as a share of your income. If you spend more than comes in, Nada says so kindly.

Nada 50/30/20 check with a gentle hint.

True price Pro

Know the real cost before you borrow

That sofa on credit: what would it really cost? Type the amount, the rate and how you would pay it back.

  • If you borrow: months to pay off, interest, and the total you pay. A warning if the payment never clears it
  • If you save instead: put aside the same amount each month and see how much sooner it is yours, with no interest
  • Your plan: what the new debt does to your debt-free date and to your interest across all your debts

These are estimates, and the screen says so.

Nada true price inputs: amount, rate and how you would pay.
Nada true price results: borrow or save, and what it does to your debt-free date.

Pay

Tick it off

  • Tick off each payment as you make it, or log the exact amount. Nada splits it into interest and debt
  • Bills: add rent, phone or the gym once and tick them off each month. Yearly and one-off bills too
  • Split a payment into parts on dates that suit you Pro
  • History as a list or a calendar Pro
Nada pay screen with payments to tick off and bills.

Private by design

Your numbers stay yours

No account, no bank login, no ads, no analytics and no third-party code. Nada only talks to Apple: for purchases, and for your private iCloud. The App Store privacy label is Data Not Collected.

  • iCloud sync keeps your data in step across your own devices, through your private iCloud. Nada cannot read it
  • Face ID, Touch ID or passcode lock, with a lock delay you choose
  • Private mode hides every amount. Totals are blurred and amounts in sentences show as dots
  • The app switcher never shows your numbers
  • Files are protected by iOS, so they are unreadable while the phone is locked
  • Exports are made in a temporary folder and deleted after sharing
  • Delete all data removes everything Nada stored
  • Purchases are checked with Apple, and changing the phone clock does not unlock Pro
Nada home with every amount blurred in Private mode.
Nada settings with the lock and Private mode.

Pro tools Pro

Reminders, widgets and reports

Reminders and Calendar

A heads-up 1, 2, 3 or 5 days before each due date, and a “Did you pay?” on the day, with a Paid button on the notification. Amounts never show in notifications unless you switch that on. Add due dates to Apple Calendar. Nada can only add events, never read your calendar.

Widgets

Home Screen: Small, Medium, and Medium Private, which never shows amounts. Lock Screen: a months-left countdown, which also never shows amounts. Each in Auto, Light or Dark.

Reports and export

A monthly report with what you paid, what came off your debts, interest and what is left, per debt. Share it as a PDF. Export your debts, schedule and payment history as CSV or PDF.

Out of debt, then out of the app

Built to be finished with

  • A small celebration when a debt is paid off, and a big one when you are debt-free
  • When you are debt-free, Nada says so plainly: you don’t need us now. Delete the app if you like. Your data is yours, and Pro can export it first
  • Mood check, off unless you turn it on: after a payment, one tap to say how you feel, or skip. You can save it to Apple Health. Nada never reads your Health data
  • Haptics you can turn off, and Undo for deletes
  • Works fully offline
  • Largest text sizes, VoiceOver, Reduce Motion and dark mode on every screen
  • English, Spanish, Portuguese (Brazil), Portuguese (Portugal) and Catalan. Nada follows your iPhone language and region
  • iPhone only, iOS 17 or later
Nada celebration when a debt is paid off.

Start

Debt? Nada.

Coming soon on iPhone

Free for up to 3 debts. See what Pro adds →