Debt Dissolver

Debt Dissolver turns your debts into a plan you can follow, then helps you stick to it, brick by brick. Add your credit cards, store cards, loans, overdrafts and other debts, set what you can afford each month, and see exactly how and when you'll be debt-free. COMPARE WAYS TO PAY OFF YOUR DEBTS • Highest interest first (the avalanche method): usually the cheapest. • Smallest balance first (the snowball method): quick wins to keep you going. • Your order: clear your debts in the order you choose. • Minimums only: see what paying just the minimums would cost. Debt Dissolver works out every plan month by month and shows which is cheapest, how much interest you'll pay and when you'll be debt-free. SEE IT, DON'T JUST READ IT • Race to zero: every plan's total on one chart. • What you owe, month by month: watch each debt fall away. • Milestones: when each debt clears, and where its payment goes next. • Pay this month: exactly what to pay on each debt. TRY "WHAT IF?" • Slide to pay a little more each month and see how much sooner you'll be free, and how much you'll save. • Save scenarios, like a pay rise or a new budget, and switch between them. • See whether moving balances onto your own cards' transfer offers would save you money. • Compare a consolidation loan or a 0% balance transfer card, with a clear warning that both mean new borrowing. TRACK YOUR PROGRESS • Check in each month with your real balances. • See whether you're ahead of or behind your plan, and how much you've knocked down since you started. • Watch your plan-vs-actual chart, and your wall of debt coming down. • Celebrate every debt you clear. STAY ON TRACK • Pay-day reminders that list what to pay on each debt. • Gentle nudges to check in. Reminders are set on your phone, not sent from a server. BUILT FOR REAL DEBTS • 0% promotional rates that end on a set month. • Rates entered per year (APR) or per month. • Fixed loan payments, or minimums worked out as a percentage with a floor. • A loan calculator: find the payment, the term, the balance or the rate from the other three. • Works in your currency. • Export any plan to a spreadsheet (CSV or Excel). MATHS YOU CAN TRUST Interest uses the true APR, charged month by month, and every amount is kept to the penny, so the dates and totals you see are ones you can plan around. YOUR DATA STAYS WITH YOU No account and no sign-up. Your debts are stored on your phone. Sharing usage and crash reports to help improve the app is off unless you turn it on. Debt Dissolver is free, supported by ads. Debt Dissolver is a planning tool, not financial advice. If you're struggling with debt, free and confidential help is available from organisations such as StepChange, National Debtline and Citizens Advice.