Type in your debts. Set your monthly budget. DebtMelt builds your snowball payoff plan instantly — no bank connections, no sign-ups, just math that works.
Start Melting Your Debt"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.
Enter your debts in a clean table: name, balance, interest rate, minimum payment. Tab through cells like a spreadsheet. No forms, no friction.
Choose your strategy. Snowball pays smallest balances first for quick wins. Avalanche targets high interest to save the most. Switch anytime.
See exactly what to pay each month, to whom, and how your balances shrink. Every payment mapped out until you're debt-free.
Set your monthly budget, see the exact date you become debt-free, and 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.
Start for free. Upgrade when you're ready to go deeper.
Pro tier coming soon. Drop your email in the calculator and we'll let you know when it launches.
Start using DebtMelt now. Free, no signup required. See your debt-free date in under 2 minutes.