Unfreeze is a web tool that turns "I don't know where to start" into an exact debt-free date — no subscription, no account, no data leaving the browser.
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Maker
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I built Unfreeze because I was tired of doing my own debt payoff math in spreadsheets. Every time I wanted to compare Avalanche vs. Snowball, or see how an extra £50/month actually moved my debt-free date, I'd end up rebuilding half a spreadsheet from scratch — formulas breaking, tabs everywhere, way more tedious than it needed to be. So I built the tool I wished I'd had: add your debts and income once, and it instantly shows you both strategies side by side and your exact payoff date. No formulas, no manual updates, no subscription.
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How does it handle interest rates that change over time, like credit cards with variable APRs?
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Maker
@abdullahglej5u each debt entry lets you schedule a change by simply adding the date and if unsure of the new interest rate, please it blank and get a reminder to add in the new rate near the time.
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Finally got around to paying off a nagging credit card. The dashboard showed my payoff date and total interest saved, which felt oddly motivating. Loved that nothing asked me to sign up.
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Tried it with my own messy debt list and the timeline it spit out actually felt doable instead of depressing. Love that nothing gets saved anywhere.
How does it handle interest rates that change over time, like credit cards with variable APRs?
@abdullahglej5u each debt entry lets you schedule a change by simply adding the date and if unsure of the new interest rate, please it blank and get a reminder to add in the new rate near the time.
Finally got around to paying off a nagging credit card. The dashboard showed my payoff date and total interest saved, which felt oddly motivating. Loved that nothing asked me to sign up.
Tried it with my own messy debt list and the timeline it spit out actually felt doable instead of depressing. Love that nothing gets saved anywhere.