DebtMelt turns every credit card and loan into one exact countdown to $0 — a launch date that moves closer with every payment you make. Minimum payments keep you in a parking orbit. We plot the descent.
Minimum payments are a parking orbit. You burn fuel every month, you stay aloft — and you never come home. The balance hangs in the dashed blue line forever.
DebtMelt computes the burn. It plots the solid descent from your real balances down to a single touchdown point: balance $0. Every event is marked. The date is exact.
T‑minus every payment. Pull an extra $50 forward and the touchdown marker slides left.
Enter every debt by hand — balance, rate, minimum. No bank linking, ever. The manifest is yours alone.
Choose snowball or avalanche. DebtMelt computes the order and returns your exact debt-free date.
What if you add $50 a month? Watch the launch date move closer in real time. Every dollar shortens the countdown.
Milestone celebrations as each debt is extinguished — one stage at a time, down to balance zero.
For context, honestly stated: the category leader charges about the same but hasn't been redesigned in years; Bright Money runs $14/mo and requires bank linking. DebtMelt is the cheap, private, single-purpose instrument — payoff math and nothing more.
Honestly: it's in development right now. There is no app yet. The waitlist is the manifest — sign on and you get first boarding the moment the launch window opens.
Early access ahead of public launch, locked-in launch pricing, and a real say in the flight plan — the features we build next are shaped by the crew on this list.
Privacy is a GO criterion. Manual entry means no Plaid, no account credentials, no company holding a password that can be breached. You type your debts; the math stays on your side.
Both. DebtMelt will compute your debt-free date for each and put them side by side, so you choose the burn that keeps your intensity up. Snowball for momentum, avalanche for least interest.
Planned: a free tier for up to 2 debts, and Pro at $4.99/mo or $29.99/yr for unlimited debts, the comparison engine, what-if payments, and milestones. Pricing is an intention, not a live store — see Appendix A.
The window is open. The crew manifest is boarding. There's no app yet — there's a waitlist, launch pricing, and a say in the flight plan. T‑minus every payment.