What's New in DebtZero

Latest app updates, new features, and improvements

v1.0.14 · LATEST July 2026

AI Companion, Financial Journal & New Subscription Model

🤖 AI Companion

Chat or use your voice to log expenses, ask debt questions, and get instant financial advice — all powered by GPT-4.

📓 Financial Journal

Every action you take in the app is logged automatically by AI. Your complete money story in one place.

🎁 30 Days Free Access

₹200 to download via Google Play, then new users get 30 full days of free access after signup. Then ₹200/month via Google Play.

🔄 Google Play Auto-Renewal

Subscriptions now auto-renew every 30 days via Google Play. Cancel anytime from the Play Store.

✨ New Features
  • AI Companion screen — full chat interface with text and voice input
  • Voice transcription — speak your expenses, payments, or questions (powered by Whisper)
  • Financial Journal — timeline of all AI-logged actions, filterable by category
  • AI Preferences — choose language (12 Indian languages), entry mode, and voice reply settings
  • AI insights widget on dashboard — live debt summary and quick action chips
  • AI Companion shortcut (floating button) accessible from any tab
  • Day-25 push notification warning before free access expires
  • AI Preferences accessible from Profile → Settings
🔄 Updates
  • Subscription model revamped — 30-day free access based on account age, no manual trial needed
  • Paywall now shows accurate countdown ("X days of free access remaining")
  • Subscription banner appears only on days 25–29 (amber) and day 30+ (red)
  • Google Play subscription managed server-side via Real-time Developer Notifications
  • Backend now auto-extends subscription end date on every Google Play renewal
  • Onboarding screens updated to reflect AI Companion and new pricing model
  • Signup screen updated with "30 Days Free" messaging
🔧 Fixes
  • Fixed subscription status not updating after Google Play renewal without app open
  • Fixed null safety error on EMI amount display in debts list
  • Fixed offline fallback for subscription status on first launch
  • Fixed paywall copy showing incorrect trial language
v1.0.13 June 2026

Refer & Earn, Wallet & Closed Loans Tab

✨ New Features
  • Refer & Earn — share your referral code and earn ₹50 for every friend who joins
  • Wallet — track referral rewards and withdraw via UPI
  • Closed Loans tab — view fully paid-off debts separately from active ones
  • Website: Debt Tools hub, Planner page, Blog section, and 6 new SEO pages
  • OTP endpoint hardened against email spam abuse
v1.0.12 May 2026

Milestones, Survival Mode & Reality Check

✨ New Features
  • Milestones — celebrate your debt-free progress with achievement badges
  • Survival Mode — tight-budget planner for difficult months
  • Reality Check — see what your debt is actually costing you in real terms
  • Monthly Preview — forecast next month's cash flow before it happens
  • Pressure Reducer — stress-relief prompts when debt feels overwhelming
  • Enhanced weekly insights with priority-based alerts (URGENT / IMPORTANT / SUCCESS)
  • Exact rupee recommendations from AI Coach
v1.0.11 April 2026

Financial Score, Goals & Investment Tracking

✨ New Features
  • Financial Score — personalised health score based on debt, income, and savings
  • Goals — set and track financial goals (house, car, travel, emergency fund)
  • Investment Tracking — SIPs, stocks, gold, FD/RD, crypto, and net worth
  • Income Tracking — salary, business, and variable income sources
  • Daily check-in modal for spending discipline

Get the Latest Version

Download DebtZero for ₹200 and start your 30-day free access today.

📱 Download — ₹200 View All Features