Everything you need in Snowball
A debt payoff planner for people managing multiple balances and wanting a clearer next step. Compare Snowball and Avalanche, log payments, see your debt-starter date, and understand how extra payments change the options.
Feature research stays connected to the main app page, support route, and legal pages so visitors do not hit a dead end after landing here.
Navigate Snowball
Move between the main app page, support, features, and legal pages without backing out to the main directory.
Side-by-side payoff strategies
Compare Snowball and Avalanche using your real balances, APRs, and minimum payments instead of generic calculators.
Debt-starter date visibility
See when your current options could finish and how changes to extra recurring payments move the date closer.
Manual payment tracking
Log real payments, update balances, and keep your payoff options grounded in what has actually happened.
What-if planning
Model extra recurring contributions and see the time and interest impact before you commit to a new number.
Private local-first workflow
Core planning is designed around user-entered balances and on-device calculation instead of bank-linking dependency.
Reports and reminders
Review payoff timelines, compare interest outcomes, and stay on top of upcoming due dates with a calmer workflow.
How it works
Add your debts
Enter balances, APRs, minimum payments, and due dates for each debt you want included in the options.
Choose your strategy
Compare Snowball and Avalanche, review payoff order and total interest, then pick the approach that fits your motivation and goals.
Track progress over time
Log payments, adjust extra recurring contributions, and watch the timeline, balances, and debt-starter date update as your situation changes.