Track every debt in one place
See balances, minimum payments, interest rates, and payoff order in one view.
Debt payoff planning
A clearer path through debt.
See all your debts, pick a plan, and know what to pay each month. Free to use.
Illustrative preview
Payoff schedule
Balances as of
May 1, 2026
Strategy
Debt Snowball
Total debt
$47,138
Total interest
$6,842
Payoff date
Jul 2030
Months to payoff
63
Order
Debt
Balance
APR
Minimum
Payoff month
1
Credit Card A
$1,250
18.24%
$35
May 2026
2
Personal Loan
$2,300
12.49%
$55
Jul 2026
3
Auto Loan
$6,710
6.29%
$175
Nov 2026
4
Credit Card B
$3,400
19.99%
$45
Feb 2027
5
Student Loan
$12,890
5.13%
$150
Jun 2027
Debt snowball basics
What is a debt snowball?
A debt snowball is a simple payoff method where you focus extra money on one debt at a time, usually starting with the smallest balance. You keep paying the minimums on everything else.
When the first debt is paid off, you roll that payment into the next debt. Each payoff makes the next payment bigger, like a snowball picking up size as it rolls.
List your debts
Pick the next target
Roll paid-off payments forward
Built for clarity
Everything you need to pay off debt with confidence.
Compare strategies side by side
Try each payoff order — snowball, avalanche, or your own — before you pick one.
Keep momentum with a monthly view
Know what to pay, what comes next, and how each month moves the payoff date forward.
How it works
Three simple steps, month after month.
Enter your balances and budget. Compare payoff orders. Then follow the schedule month by month.
List your debts
Enter each balance, APR (the yearly interest rate), minimum payment, and the amount you can pay each month.
Recalculate and compare
See how each strategy changes the order, the interest you pay, and the finish date.
Follow the month-by-month path
Keep the next payment in view. The schedule shows the way as balances change.
Ready when you are
Start free and let the snowball do the heavy lifting.
Another Debt Snowball is free. There is no fee and no subscription.
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