DebtDrop by Nuvia Way

The story

I saved $200,000 on my mortgage. Then I built the app I wished I had had.

When I bought my first home I started working out, obsessively, how extra payments could shorten the loan. I built spreadsheets, modeled recasts, and ran the numbers over and over. It saved me over $200,000 in interest. Getting there was painful: every tool I found was confusing, wrong, or behind a subscription. So I built DebtDrop. It shows you exactly what every extra dollar does to your loan, and none of it is locked. The other calculators charge $5 to $15 a month. This one costs nothing and does more.

$200K+

saved on mortgage interest

$0

to use DebtDrop

100%

of features unlocked, always

What it does

Free, fully unlocked, no ads, no tracking

Mortgage Recast Calculator

See exactly how a lump sum payment can lower your monthly mortgage payment. No other debt app offers this.

Smart Strategy Comparison

Compare snowball vs avalanche methods with real simulations showing your projected payoff date and total interest saved.

Home Equity Tracking

Watch your equity grow with adjustable appreciation rates. Get alerted when you can remove PMI and save hundreds per month.

Household Mode

Track debt together. Assign debts to each partner, see combined payoff projections, and manage your household budget.

Complete Amortization Tables

See the principal and interest breakdown for every payment, month by month. Know exactly where your money goes.

Budget & Income Tracking

Track your income, expenses by category, and see how much is available for extra debt payments.

PDF Reports

Generate detailed debt reports to share with financial advisors, mortgage lenders, or keep for your records.

Complete Privacy

No data collection, no analytics, no ads. Everything stays on your device and your personal iCloud.

Privacy Policy | Support
DebtDrop provides estimates and projections only and is not a substitute for professional financial advice.