Debt Blaster
Debt Blaster is Windows software for organizing debts and planning a month-by-month payoff.
What Debt Blaster is
Debt Blaster is Windows software for organizing debts and planning a month-by-month payoff. Users enter the debts themselves, then compare Snowball, Avalanche, and Custom payoff methods. Dial-A-Date lets users choose a target debt-free month and see the extra monthly payment needed to reach it. One-off payments can also be added to see their effect on payoff timing and interest savings. Debt Blaster tracks balances and creditors but does not connect to a bank. Debt plan information is normally stored on the user's computer, and ZilchWorks says it does not automatically receive that data through software use. A free Windows trial is available. The maker offers a full refund within 30 days after purchase unless another policy is stated at purchase. Debt Blaster is payoff-planning software, not debt relief: it does not lend money, negotiate debt, or repair credit. Mac and iPad versions are listed as coming soon, and the mobile planner is in the design phase.
Good
- Compares Snowball, Avalanche, and Custom payoff methods.
- Dial-A-Date estimates the extra payment for a target month.
- Shows how one-off payments affect timing and interest savings.
- Plan information is normally stored on the user's computer.
- A free Windows trial is available.
Watch out
- Does not connect to a bank; debts are entered manually.
- Available platform listed is Windows.
- No mobile app is listed.
Who it suits
Debt Blaster may suit Windows users who want to enter debts manually and compare payoff schedules. It is for payoff planning, not lending, debt negotiation, or credit repair.
Verdict
Debt Blaster focuses on payoff planning, with multiple strategies and a target-date calculation. It requires manual debt entry and is not a debt relief or credit repair service.
Plans and prices
From Debt Blaster's own pricing page, checked 7 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Debt Blaster for Windows | $29.99, paid once | Windows desktop payoff planner · no subscription · One payment; regularly $39.99 |
The facts
Each one read from Debt Blaster's own pages, with the date it was checked.
What it does
- Bank connection
- Debt Blaster does not connect to a bank; users enter the debts they want to plan themselves.checked 7 Oct 2026
- Dial-A-Date
- Dial-A-Date lets users choose a target debt-free month and see the monthly extra payment needed to reach it.checked 7 Oct 2026
- Extra payments
- Users can add one-off payments and see how they affect payoff timing and interest savings.checked 7 Oct 2026
- Local data
- Debt plan information is normally stored on the user's computer, and ZilchWorks says it does not automatically receive that data through software use.checked 7 Oct 2026
- Not debt relief
- Debt Blaster is payoff-planning software and does not lend money, negotiate debt, or repair credit.checked 7 Oct 2026
- Other versions
- The maker lists Mac and iPad versions as coming soon and its mobile planner as in the design phase.checked 7 Oct 2026
- Payment privacy
- ZilchWorks says payment details are handled by its merchant of record or payment provider and it does not directly store full credit card numbers.checked 7 Oct 2026
- Payoff strategies
- It offers Snowball, Avalanche, and Custom payoff methods.checked 7 Oct 2026
- Purpose
- Debt Blaster organizes debts, compares payoff strategies, and creates a month-by-month payoff plan.checked 7 Oct 2026
- Refunds
- The terms state that a full refund is offered within 30 days after purchase unless a different policy is stated at purchase.checked 7 Oct 2026
- Security
- ZilchWorks says it uses reasonable administrative, technical, and organizational safeguards, while noting it cannot guarantee absolute security.checked 7 Oct 2026
- Support
- Users can contact ZilchWorks support and may send information such as product version, operating system, screenshots, or error messages.checked 7 Oct 2026
The company
- Founded
- 1991checked 28 Sep 2026
- Headquarters
- Cape Cod, Massachusettschecked 28 Sep 2026
Money
- Trial
- A free Windows trial is available to try the payoff-planning workflow before purchase.checked 7 Oct 2026
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