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pāyZero® Incorporated introduces to you the concept of combining Digital Envelope Banking with MyXtraMoney(an Automatic Budgeting System (ABS), used by the founders of PayZero® Financial Bank).

We use the combination of Digital Envelope Banking, and ABS to scrape for all the money made available as you get paid, bank, and handle expenses using electronic bill pay. (Usually up to 25% of your total expenses), and uses that money to cover your minimum monthly debt payments.

This extra money is called bank float. pāyZero® collects your float and pays your lender. This way your auto loan is paid with float money and not by your household budget.


The ABS changes the way you bank from banking behind your expenses to banking ahead of your expenses using algorithms. Banking ahead of your expenses allows your account(s) to cover All of your monthly expenses, including your normal monthly savings while generating 12% – 25% in float dollars.

The ABS uses a simple “Addition by Subtraction” calculation specifically designed so people with a steady income and direct-deposit can afford to contribute float dollars towards wealth planning instead of dollars allocated for household use and without exhausting savings.

  • No budgeting
  • No cutting expenses
  • No special  payment arrangements
  • All done without you experiencing an NSF

Full  Financial  Disclosures: Opting-in to Payment Freedom™ at any time during your auto loan binds our company, pāyZero® Incorporated to educate you, the borrower, on the benefits of using an Automatic Budgeting System™ (ABS). The contract becomes non-recourse should you, the client, no longer continue with your envelope banking strategy, or you choose to not use our ABS at any time during the period your auto loan payments are due to your lender. At that point, you are solely responsible for paying your auto loan with your manually budgeted resources. Your float money is derived from our MyXtraMoney™ ABS algorithm. Float Money is generated over the course of the month. It is an investable asset that can be used as a reserve fund. This membership has a one-time advisory fee starting at $249.  (The National Monthly Float Average per household is $1,100). Easy Qualification: Must be Employed salary or hourly, Military, Retired or Fixed Income, Age 25 or older, Minimum total household the income of $3,800/mo. after taxes., and Direct Deposit to an active Checking Account (no savings accounts) at a Bank (Accounts at Credit Unions do not qualify unless it’s USAA)
Make sure when you type in your amounts, add ".00" (for example, if your income is $2800, then please type $2800.00 for each income and expense. Otherwise it will register as $28)

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