Type your debts. Set your monthly budget. DebtMelt calculates your snowball or avalanche payoff plan instantly — no bank connections, no sign-up required.
See My Debt-Free DateTakes 10 seconds. No account needed.
"No bank syncing. No passwords. No 47-step onboarding. Just type your debts into a table, set your budget, and see exactly when you'll be debt-free. That's it."
The DebtMelt philosophy
Type your debts into a table. Get a complete payoff plan in seconds.
Paste into a clean table: name, balance, interest rate, minimum payment. Tab through cells like a spreadsheet. No forms, no friction.
Snowball vs. avalanche side-by-side. See exactly how many months faster — and how many dollars cheaper — one is over the other. Switch strategies with one click.
A full month-by-month schedule: which debt to hit, how much, and how your balances drop. Every payment mapped until you're free.
Set your total monthly budget. Get a specific month and year when your debt hits zero — plus how much interest you'll save vs. paying only minimums.
No bank connections. No sign-up. No permissions. Just type your numbers and get a plan.
DebtMelt runs entirely in your browser. Your data never leaves your device unless you choose to save and share.
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Start using DebtMelt now. Free, no signup required. See your debt-free date in under 2 minutes.