DebtMelt: Debt Payoff Planner

DebtMelt turns your credit cards and loans into one exact debt-free date — a countdown that moves closer with every payment you make. It's a single-purpose debt payoff planner, not a budgeting super-app: enter your debts by hand, choose your strategy, and watch the T-minus readout tick down to the day you reach $0.

WHY DEBTMELT
Most debt payoff apps drown you in budgets and charts. DebtMelt gives you the one artifact that matters — your debt-free date — and makes every payment feel like progress toward it.

• Your exact debt-free date and a live T-minus countdown
• Snowball vs avalanche, side by side (Premium)
• What-if extra payments — watch the date move (Premium)
• Milestone celebrations as each debt is extinguished (Premium)
• Manual entry — no bank linking, no bank password, no account connection
• No ads

NO BANK LINKING
DebtMelt never asks for your bank password. There's no Plaid, no account aggregation, no third-party linking service. You type your debts and the payoff math runs on your device. There's no sign-up either: your debts stay on your device and your plan works right away. Create a free account only if you want it synced across your devices. Manual entry is the trust this debt payoff planner is built on.

SNOWBALL OR AVALANCHE
Pick the debt snowball method to clear your smallest balance first and build momentum, or the debt avalanche method to target the highest interest rate and pay the least interest overall. Premium shows both strategies side by side — two debt-free dates, two interest totals, and the exact difference — so you can choose with your eyes open.

WHAT-IF EXTRA PAYMENTS
Wondering what an extra $50 a month really does? Premium's what-if engine lets you step the extra payment up or down and see your debt-free date move closer in real time, with the interest saved computed instantly.

LOG PAYMENTS, WATCH THE DATE MOVE
Record each payment as you make it. DebtMelt recomputes your descent and tells you how many days closer your debt-free date just moved. Works for credit cards, car loans, student loans, medical bills, personal loans, and mortgages.

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

Download DebtMelt, enter your debts, and get your launch date. Your debt-free date is a launch date — T-minus every payment.

Recent changes:
The annual plan now starts with a 7-day free trial, with the terms stated plainly on the subscription screen. The free plan now covers your first debt — everything you entered earlier stays yours. Also: a redrawn icon that finally fits the launcher shape, no more endless "Loading…" on the Mission screen, and website, privacy and terms links that open even on devices that refuse the usual browser handoff.