Debt Payoff Calculator

Enter your debts below. DebtMelt calculates the fastest snowball payoff plan.

Your Debts

#	Debt Name	Balance ($)	APR (%)	Min Payment ($/mo)

Total Monthly Payment

Payoff Strategy

Snowball: Pay off smallest balances first. Quick wins build momentum.

✦ Pro

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days to debt-free

Day 1 0% there Debt-free 🎉

Every payment gets you closer. Keep it up!

⚡

See how a small extra payment crushes your debt faster

Extra monthly payment:

$25/mo$500/mo

Adjust the slider to see your scenario

🔥 DebtMelt

I'll be debt-free by —

Total debt —

Strategy —

Time to payoff —

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Your debt-free date

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Save this plan so you can track your progress and never lose it.

or get free monthly reminders

Save your plan and come back anytime — or share it with a partner. Pro feature — $11.99/year.

Anyone with this link can view your plan.

DebtMelt — Built on Polsia

🎉 Welcome to Pro! Your plan is saved — you can share it anytime.

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Save your debt payoff plan and come back anytime — or share it with a partner so you're both on the same page.

$11.99 / year

Secure checkout via Stripe. No subscription — one payment, one year.

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