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DEBT SNOWBALL CALCULATOR

List your debts, set what you can pay each month, and see the exact month you’ll be debt-free. Smallest balance first, quick wins, real numbers.

YOUR DEBTS. SMALLEST FIRST.

01Your debts

Card minimums shrink as you pay them down. Loans stay fixed. We model both.

THIS IS A SAMPLE

These are example debts so you can see how it works. Swap in your own to get your real debt-free date.

How much can you throw at debt each month?

Your minimums add up to $668.00. Every dollar above that is a punch.

03Pick a strategy

Both are real plans. Pick the one you’ll stick with.

04Your debt-free date

SAMPLE · YOU UNOWE EVERYTHING ON

AUG 2029

35 months from today. 20 yrs 10 mo sooner than minimums.

INTEREST PAID

$4,965

INTEREST SAVED

$15,137

FIRST DEBT DEAD

Mo. 5
SAMPLE · KILL ORDERsnowball
1Store card
Mo. 5
2Car loan
Mo. 16
3Visa
Mo. 26
4Student loan
Mo. 35

SAMPLE · YOUR PLAN · MONTH BY MONTH

You have the date. Here’s what to pay first.

MONTH 1 · OCT 2026

Store cardTARGET$267
Car loan$260
Visa$253
Student loan$120
MONTH 2LOCKED
MONTH 3LOCKED
MONTH 4LOCKED

+ 31 MORE MONTHS UNTIL AUG 2029

Get every payment for every debt, every month, plus what-ifs, payment tracking and a printable fridge plan. One time, no subscription.

UNLOCK MY FULL PLAN · $14.99

WHAT IS THE DEBT SNOWBALL?

The debt snowball pays off your debts from the smallest balance to the largest, no matter the interest rate. You pay the minimum on everything, then put every extra dollar toward the smallest debt. When it’s gone, its payment rolls into the next smallest. The payment grows like a snowball rolling downhill.

HOW TO USE THIS CALCULATOR

  1. Enter each debt: the balance, the APR and the minimum payment from your latest statement. Pick the type, because card minimums shrink as you pay them down and loan payments don’t.
  2. Enter what you can put toward debt each month. It has to cover all your minimums.
  3. Pick snowball. You’ll see your debt-free month, the order your debts disappear, and how much interest you avoid compared with paying only the minimums.

SNOWBALL VS. AVALANCHE

Avalanche pays the highest interest rate first, which usually costs less. Snowball pays the smallest balance first, which gets you a win sooner. In the example above ($26,500 across four debts at $900 a month), both plans finish in 35 months. Snowball wipes out the first debt in month 5. Avalanche saves $777 in interest. The calculator shows both side by side, so you can see the real difference with your own numbers.

WHY QUICK WINS MATTER

Paying off debt takes years, and plans fail when people quit. Clearing a whole debt in the first few months is proof the plan works. For many people, that early win is what keeps them going, and that can be worth a little extra interest.

FAQ

Does the debt snowball save money?
It usually costs a little more interest than the avalanche method, because your highest-rate debt waits longer. How much depends on your debts. The calculator shows the exact difference.
What debts should I include?
Credit cards, store cards, car loans, student loans, personal loans and medical bills. Leave out your mortgage.
What if my budget doesn’t cover my minimums?
The calculator tells you the total you need to cover. If you can’t reach it, call your lenders or a nonprofit credit counselor before you fall behind.
Why do my credit card minimums go down over time?
Card minimums are usually a share of your balance, so they fall as the balance falls. The calculator models that. Loans keep a fixed payment.
Is my information saved or shared?
No. Everything runs in your browser. We never see, store or sell your numbers.

THE FULL PLAN · ONE-TIME · $14.99

LESS THAN ONE MONTH OF A CARD’S INTEREST.

No subscription. No “premium tier.” You pay once, because paying forever is the thing we’re fighting.