Dashboard

Unfreeze is a small, independent debt and budget planner built to do one job well: show you exactly when you'll be debt-free, and how changing one number — an extra payment, a strategy, your budget split — moves that date.

There are no accounts, no ads, and no subscriptions. Everything you enter stays on this device in your browser's local storage — nothing is sent to a server, except a one-time payment through Stripe if you choose to unlock the full version. Unfreeze is £8, once — not a subscription.

1. Debts — add every balance you owe: credit card, loan, overdraft. Balance, APR and minimum payment are all it needs.
2. Income — add what comes in each month. Tick "Varies monthly" for anything that isn't a fixed salary, and Unfreeze will average your last three logged months.
3. Budget — track expenses, subscriptions and savings pots. What's left after minimum payments and expenses is the pool split between extra debt payments and savings.
4. Dashboard — your projected debt-free date, updated live. Drag the money-split slider to see how sending more to debt (or savings) shifts that date.
5. Payoff Plan — compare Avalanche vs. Snowball, see your attack order, and the full month-by-month schedule.

Free to try: up to 2 debts and 1 income source, with your real debt-free date and extra-payment preview. Unlock for £8 to add unlimited debts and income, plus the full Budget tab and Payoff Plan.