Melt

Debt Payoff Planner

// the problem

Most Australians carry multiple debts: credit cards, personal loans, car finance, HECS. The mental load of juggling minimum payments, interest rates, and figuring out the fastest way to pay them off is real. Most debt apps are US-focused, ad-heavy, or want access to your bank accounts.

// the solution

Melt helps you visualise your path to becoming debt-free. Enter your debts, choose a strategy, and Melt simulates the entire payoff journey. You see exactly how long it will take, how much interest you'll pay, and how much you'll save by making extra payments. No accounts, no bank linking, no ads.

// core features

Snowball Strategy

Pay off smallest balances first for quick wins and momentum.

Avalanche Strategy

Target highest interest rates first to minimise total interest paid.

Balance Chart

Visual chart showing your total debt declining month by month.

Interest Savings

See exactly how much you save by putting extra money towards debts.

Completely Offline

No accounts, no bank linking. Your data stays on your device.

AUD-First