DebtMelt: Debt-Free Date

See the exact date you'll be debt-free — then watch it move closer with every payment. Snowball or avalanche, side by side. No bank linking, no ads.

Your debt-free date is a launch date — and DebtMelt counts down to it. Enter your debts by hand (no bank linking, ever), pick snowball or avalanche, and see the exact day you hit $0. Every payment moves the date closer. No bank password. No ads. Just the math and the mission.

ONE EXACT DEBT-FREE DATE Most debt apps bury you in budgets, categories, and charts. DebtMelt gives you the one number that matters: the date you will be free. Add each balance, its interest rate, and its minimum payment, set what you can pay per month, and DebtMelt computes your exact touchdown date and a live T-minus countdown. Every screen orbits that single number.

MANUAL ENTRY. NO BANK LINKING. DebtMelt never asks for your bank password. There is no account aggregation and no third-party linking service holding a credential that can be breached. You type your debts; the payoff math runs on your device. Manual entry isn't a limitation — it's the trust the app is built on. (No sign-up either: your debts stay on your device and work right away. Add a free account only if you want them synced across your devices.)

SNOWBALL OR AVALANCHE, SIDE BY SIDE Knock out your smallest balance first for momentum (snowball), or attack the highest interest rate to pay the least interest (avalanche). Premium puts both strategies side by side — two dates, two interest totals, one clear delta — so you can pick the burn that keeps your intensity up.

WHAT-IF EXTRA PAYMENTS What happens if you add $50 a month? With Premium's what-if engine, step the extra payment up and down and watch your debt-free date move closer in real time, with the interest you save computed instantly. Every spare dollar becomes visible progress.

LOG PAYMENTS, WATCH THE DATE MOVE Record each payment as you make it. DebtMelt updates the balance, recomputes the descent, and tells you exactly how many days closer your touchdown just moved. Paying down debt stops feeling endless and starts feeling like a countdown.

MILESTONE CELEBRATIONS Every debt you extinguish is a stage separation. Premium celebrates your milestones — first payment logged, 25/50/75% melted, each debt paid off — so a long mission stays motivating from ignition to touchdown.

FREE vs PREMIUM Free: your first debt, one strategy at a time, your exact debt-free date + T-minus countdown, payment logging, monthly budget. Premium ($4.99/mo or $29.99/yr): unlimited debts, snowball vs avalanche side by side, what-if extra payments, milestone celebrations.

NO ADS, EVER DebtMelt is a single-purpose instrument, not an ad platform. No banners, no "sponsored debt relief," no upsell to a loan.

Download DebtMelt, enter your debts, and get your launch date. T-minus every payment.

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