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Commerce · April 14, 2026

ZeroBasis

The private 0% credit card balance transfer & debt tracker

What it does

Stop paying 29% APR on your credit cards. ZeroBasis is a manual, private tracker for 0% Balance Transfers and Money Transfers. Calculate your spending surplus and never miss an expiry date. 100% private no Open Banking required.

Does the same job

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    Hi everyone! I’ve been working on a small personal finance tool called Tender for the better part of a year. I got tired of doing expenses by hand - going through several accounts to figure out refunds, subscription cancellations, getting paid back via venmo, etc. I’d get to the point where I’d have to go through months of transactions at a time if I got lazy and fell behind. The workflow in Tender is centered around getting to inbox-zero. Transactions leave the inbox when they’re categorized and there’s a basic rules engine for automation. You can also do things like add notes, set…

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