DebtMeltPro

The tool lets users input multiple debts, including balances, interest rates, and minimum payments, and then instantly generates side‑by‑side projections for three payoff approaches: snowball, avalanche, and a hybrid variant. By adjusting an extra monthly payment amount, the calculator shows the resulting debt‑free date, total interest saved, and the optimal order in which to tackle each balance. It also models the “debt rollover effect,” where the payment freed from a cleared debt is applied to the next target, accelerating the schedule.

Designed for individuals seeking to compare repayment strategies, the application supports up to twenty accounts and covers credit cards, loans, medical bills, and student debt. All computations run locally in the browser, ensuring that personal financial data never leaves the user’s device and requiring no registration or email address.

The interface includes a quick‑start guide, an extra‑payment slider, and FAQs that explain key terms and common pitfalls. By visualizing the impact of different methods and payment levels, it helps users identify a plan that shortens the repayment timeline and reduces overall interest costs.