Debt Dissolver app icon

Debt Dissolver

See the month you'll be debt-free, and the cheapest way to get there. Then check in as you go and watch your debts come down, brick by brick.

Get it on Google Play App Store: coming soon
✓ Free · Ad-supported · Your debts stay on your phone

See It In Action

Home screen showing the debt-free date, percentage paid off and plan versus actual chart

Your Debt-Free Date

Progress on the home screen: the next debt to clear and what to pay this month

What to Pay This Month

Debts list with total owed, monthly budget and the order debts will clear

Your Debts

Plans screen comparing payoff methods in a race-to-zero chart

Compare Plans

Plan detail with months to go, interest, savings and a month-by-month chart

Plan Detail

Check-in result showing the user ahead of plan

Check-Ins

Why You'll Love It

📅

Know Your Debt-Free Date

Add your cards, loans and overdrafts and your monthly budget. See the month you'll be debt-free, how much interest you'll pay and how far along you are.

⚖️

Compare Ways to Pay

Highest interest first, smallest balance first or your own order, side by side against paying only the minimums. The cheapest plan is marked, with what it saves.

🧱

Check In, Stay on Track

Every so often, enter what you owe today. See whether you're ahead of or behind plan, and celebrate each debt as it's knocked down.

🔔

Pay-Day Reminders

An optional monthly reminder lists what to pay on each debt, and a nudge reminds you to check in. Local notifications only.

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Weigh Up Borrowing Options

See what a consolidation loan, a 0% balance transfer or moving balances between your cards would do. Shown separately, with the catches spelled out.

🔒

Your Debts Stay on Your Phone

No account to create. Your debts, balances and check-ins are stored on your device and never sent to us.

How It Works

1

Add Your Debts

Enter each debt's balance, interest rate and minimum payment, and how much you can pay each month in total.

2

Compare Your Plans

See how long each method takes and what it costs. Slide to see what paying a little more each month would save.

3

Follow One

Pick a plan and the app tells you what to pay on each debt. When a debt is cleared, its payment rolls on to the next.

4

Check In as You Go

Update your balances now and then. Your plan adjusts and your debt-free date moves with you.

Key Features

Avalanche, snowball and your-own-order payoff plans
Charts of what you owe, month by month
Plan versus actual progress tracking
0% and promotional rates, with when they end
Rates entered per year or per month
Loan calculator: know three figures, work out the fourth
Saved scenarios to compare budgets
Export a plan to CSV or Excel
Choose your currency
Light and dark themes
💾Debts stored on your device
🚫No account required
📊Diagnostics off unless you opt in
Read our Privacy Policy →

Debt Dissolver is a planning tool, not financial advice. If you're struggling with debt, free help is available from organisations such as MoneyHelper.

Ready to Knock Down Your Debts?

Download Debt Dissolver and find the quickest, cheapest way to be debt-free.

Get it on Google Play

Coming soon to the App Store.