Crush Your Debt
with the
Snowball Method
The free debt payoff calculator that shows you exactly when you'll be debt-free. Track payments, visualize progress, and build unstoppable momentum.
No sign-up required. Works offline. Free to use!
Motivation you need to get out of debt
Powerful tools that make debt payoff simple, visual, and motivating.
Snowball Method
Target your smallest balance first for quick wins that build momentum and keep you motivated.
Visual Schedules
See month-by-month amortization schedules for every debt. Know exactly when payments start snowballing.
Interest Saved
See exactly how much interest you'll save with extra payments compared to minimum-only payments.
Charts & Insights
Beautiful charts show your debt breakdown and payoff timeline. Watch your progress build momentum over time.
Windfall Calculator
Got a tax refund or bonus? See exactly how many months and dollars you save by applying a lump sum to your plan today.
Snowball vs. Avalanche
Compare both payoff strategies side-by-side for your exact debts. See which saves more money or finishes faster — then sort your list instantly.
Every debt, fully transparent
Drill into any debt to see a complete amortization schedule. Use the "What If?" slider to preview the impact of extra payments — instantly, without saving a thing.
- Month-by-month payment breakdown: principal, interest, balance
- Live "What If?" simulator with extra payment slider
- See exactly how much interest you'll save and how many months sooner you'll be free
How the Debt Snowball Method Works
A simple, proven strategy that builds momentum and keeps you motivated.
List Your Debts
Enter all your debts with balances, interest rates, and minimum payments.
Set Extra Payment
Decide how much extra you can put toward debt each month, even $25 helps.
Attack Smallest First
All extra money targets your smallest debt. Pay minimums on everything else.
Roll It Forward
When a debt is paid off, its payment rolls into the next one. The snowball grows!
Ready to become debt-free?
Start your personalized debt payoff plan in under 2 minutes.
No sign-up required.