Go to the My Account page and you'll see a section where you can delete or reset your account. Deleting your account clears all of your information, while reseting your account just deletes the transactions and history. After confirming you want the account deleted, all of your info will be immediately deleted.

Bill management is an optional add-on built from the ground up and designed to handle your recurring, non-debt expenses such as cable, phone, utilities, etc. Here are some of the highlights:

  • Repeat bills every x months or years
  • Automatically record bill payments (autopay)
  • Add unlimited bill accounts
  • Bill Dashboard groups outstanding bills into groups (past due, due within 7 days, and due within 30 days)
  • SMS/text message payment reminders
  • Bill history
You can turn on Bill Management on the My Account > Options page.

Your password is never stored in plain text in any fashion; it gets encrypted before getting stored. We cannot see what your password is. SSL encryption is automatically enabled, so all traffic between this site and your browser is protected in the same method that the banks use.

Yes. Go to the debt details page for the debt account and uncheck the box labeled Include in payoff plan?. When you go to the Debt List page, you'll notice that the account will be labeled "excluded".

Go to the Debt List page. This page shows a list of all of your debt accounts and there is a form at the bottom for adding new accounts. Click on the name of the account in the list to get to the Debt Details page of the account. There is also a link to add new accounts on the left sidebar in the My Debt Accounts section.

No, unfortunately there is not at this time. However, the site has been designed to work very well on all mobile devices using a web browser. You can even make a shortcut on your phones' home screen: on an iOS device, open up the site using Safari and click on the share button (the square with the arrow pointing up) and click on the "add to home screen" button. An icon will be created that goes directly to the site.

No, unfortunately not at this time. This is a very popular request and it is at the top of future improvements list.

It sounds like you either have your monthly budget set too high *or* you are joining mid way through a billing cycle and you have already paid some of your debt accounts for the month. Novae Debt Zero will try and use all of your budget each month to pay down debt and if you have just created an account, the site doesn't know that you've already made payments. The best way to fix this is to record the payments you have made in the debt details page for each account. Just make sure you choose the current billing month when entering the payment amounts. As you record your payments, you will see the numbers change in the "Payments Made" box on the status bar across the top of the screen. Once all of your payments are recorded, your payment plan will be accurate. Also, be sure to check the due dates on your accounts. If the date is set to next month, the debt snowball will be applied to the next account.

You can change the payoff debt method in two different places. When you choose a new plan, everything is updated automatically for you and you can change it back any time you like.

The two places you'll be spending the most time are the Dashboard and the Snowball Table page. The Dashboard is where you can keep track of your current accounts and record payments. The Snowball Table page shows you your entire payment plan from start to finish; it's like what you see on the Debt Snowball Calulator page.

The "balance" field refers to your current statement balance. The "high balance" can be your current balance too if you're just getting started. It can also be used to track existing payoff progress before signing up on the site. For example, let's say you have a credit card with a current balance of $1,000, but it got as high as $5,000 last year. You've been paying it down in the meantime and the current balance is down to $1,000. The high balance would be the $5,000 number. However, if you want to start the progress from scratch, just use your current balance as the high balance too. The highest balance is only used to track your overall payoff progress percentage.

Go to My Debts > Debt List and scroll down to the bottom to the "Add New Debt Account" section. You can setup as many debt accounts as you like; there's no limit.

You'll see the term "billing month" on the debt details page. It refers to the month in which the payment is due. It's possible that a payment is made at the end of the month, but the account's due date is in the following month. For example, if you have a debt that's due on June 6, the billing month is June (even if you pay it on May 31).

Yes. Go to the debt details page for the debt account and uncheck the box labeled "Include in payoff plan?". When you go to the "Debt List" page, you'll notice that the account will be labeled "excluded".

Interest is automatically accrued (added to the balance of your account) once a month - you do not need to manually add the interest charges. The day of your account's due date is used as the accrual date. For example, if you have an account that is due on 3/29, the interest will be accrued every month on the 29th day.

Debt Snowflakes are handled on the Additional Payments page. All you need to do is enter in the billing month and amount you plan to have extra. You can have more than one snowflake in a month if you like (they are added together). You can even have a negative snowball amount in a month if you know you're going to be short on a given month. Remember, snowflakes are an extra amount on top of your regular budget.

Sure. What you would need to do is go to the Additional Payments (debt snowflake) page and create a snowflake with the negative amount for the month you need to skip. For example, if your current snowball amount is $250 but you know you won't be able to pay anything extra next month; create a snowflake for -250 for the month and your payment plan will be adjusted. Repeat as needed for each month you need to skip.

For Novae Debt Zero to work correctly, you need to be able to at least pay the minimum amounts due on all of your accounts. Let's say you have a monthly budget of $1,000 and the total minimum payments due on your debt accounts is $900. Then you decide to add another debt account that has a $150 monthly payment. Novae Debt Zero will automatically increase your budget to $1,050. If you are unable to pay the minimum amount due on an account, then you need to exclude it from the payment plan. There is a setting in My Account > Profile Settings called "Auto Budget Adjustment" where you can turn this off if you like.

Novae Debt Zero supports deferred due dates, so just add it in like any other debt account and choose the actual due date. Check out the Debt Snowball Table and you'll notice that there won't be any payments due on your student loan until the month when the payments are scheduled to kick in. One thing to remember is that the payments on the deferred loan will be automatically reallocated to other debt accounts until the payment is due. *Tip* If you have a deferred loan and you don't want the payment to be reallocated, create a negative amount debt snowball for each month you want to skip a payment.