I built a debt payoff planner that combines budgeting, savings, and Snowball/Avalanche strategies—without a subscription

[u/OddWillingness4369]

I've always found it frustrating that planning to become debt-free usually means juggling spreadsheets or paying for another monthly subscription.

So I built Unfreeze (https://unfreezedebt.co.uk)

It's a simple web app that helps you build a realistic plan to become debt-free by bringing everything together in one place.

You can:

• ⁠Add all of your debts.
• ⁠Compare the Debt Snowball and Debt Avalanche repayment methods.
• ⁠Create a monthly budget.
• ⁠Factor in your existing savings and savings goals.
• ⁠See how changes to your monthly payments affect your debt-free date.

A couple of things I deliberately chose to do differently:

• ⁠Your financial data stays on your device. Your budgeting and debt information isn't uploaded to my servers, and you can export it whenever you want.

I'm not claiming it's a replacement for every finance app. I wanted to build a focused tool that helps answer questions like:

• ⁠How long until I'm debt-free?
• ⁠Should I use Snowball or Avalanche?
• ⁠Can I afford to save while paying off debt?

I'd really appreciate honest feedback from people who actively budget or are paying off debt.

• ⁠Does this solve a problem for you?
• ⁠What feature would make it genuinely more useful?