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.
It's live now — on the App Store and Google Play. Download it, enter your debts, and see your exact debt-free date.
A free account gets you your exact debt-free date and a payoff plan for your first debt. Pro unlocks unlimited debts, snowball vs avalanche side by side, what-if extra payments, and milestone celebrations.
Privacy is the whole point. Manual entry means no Plaid, no bank password. Your debts stay on your device unless you create an account to sync them. 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.
Free for your first debt, and Pro at $4.99/mo or $29.99/yr for unlimited debts, the comparison engine, what-if payments, and milestones.
DebtMelt is live in the App Store and Google Play. Enter your debts, pick snowball or avalanche, and see your exact debt-free date. T‑minus every payment.