Credit Card Payoff Calculator App, Loan Payoff Planner, Avalanche Debt Tracker, Interest Saved, Syncs Between Phone and Computer

Find out how fast you can clear your credit cards and loans, and how much interest you'll save doing it.

Thaw Track is a credit card and loan payoff calculator you can use every day. Add each card and loan with its balance, interest rate and minimum. Choose avalanche (highest interest first) and it builds your plan: which debt gets your extra money, the month each one is gone, your debt-free date and the interest you'll pay. Compare it with snowball and with paying minimums only, then try "what if I paid $50 more?" and see the difference straight away.

Works with credit cards, store cards, personal loans, car loans, student loans, buy now pay later and overdrafts.

★ TRY THE FREE DEMO FIRST ★
thaw-track-demo.netlify.app
Copy that link into your browser and have a play. Liked it? Bring your numbers across to the full version with a backup code.

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HOW THE CALCULATOR WORKS
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1. Add your cards and loans: balance, interest rate (APR), minimum payment and due day
2. Set your monthly amount: the live line shows your debt-free date as you type
3. Pick avalanche, snowball or your own order and see the interest for each
4. Try a what-if: +$25, +$50, +$100 or +$250 a month, with your new date and interest saved
5. Pay and tap: log each payment and your plan updates straight away
When a debt is gone, its payment rolls on to the next one.

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WHAT'S INCLUDED
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✔ Avalanche, snowball or your own order, compared side by side
✔ Interest on your plan vs paying minimums only, and how many months sooner you finish
✔ What-if extra payments: see your new date and the interest you'd save
✔ Payoff order with each card and loan's APR and gone-by date
✔ Month-by-month payoff calendar, all the way to zero
✔ Focus debt: where every extra dollar goes right now
✔ This month: every payment and due date, with one-tap Pay
✔ Debt-free date and countdown on your home screen
✔ Milestones and a colour-in progress chart
✔ Phone & computer sync: link your devices with a private code, encrypted so only your devices can read it
✔ Guided setup in about 3 minutes, 5 colour themes, light and dark mode

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WORKS EVERYWHERE
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• iPhone, iPad, Android, Mac, Windows and Chromebook
• Opens in your browser. Add it to your home screen and it works like an app.
• Works offline after you've opened it once
• Optional sync between your phone and computer
• No account, no login, no bank connection, no subscription
• Your data stays on your device. Back it up any time with one tap.

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WHAT YOU GET
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• A "Start Here" PDF (instant download) with your private link to the full Thaw Track app
• Step-by-step instructions to add it to your home screen
• A quick-start guide and FAQ
• One-time purchase. Use it for as long as you like.

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GOOD TO KNOW
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• This is a digital product. Nothing physical will be posted.
• The app runs in a web browser. It's not in the App Store or Google Play.
• Interest is estimated monthly from each debt's yearly rate. Update balances from your statements now and then to keep it accurate.
• For personal use only. Please don't share or resell your link.
• Thaw Track is a planning tool. It isn't financial advice.
• Thaw Track was designed by us with the help of AI tools.
• Because this is a digital download, returns aren't accepted. If anything isn't working, message us and we'll help.

Questions? Send us a message. We usually reply within a day.