Crush your debt with thesnowball method
The free online debt snowball spreadsheet. List your debts, get your payoff date, total interest, and month-by-month plan in seconds.
Your debts
Beyond your minimums. Try $50 — small amounts make a huge difference.
You'll be debt-free in
6 yrs 2 mo
by July 2032
Total interest
$7,473
Total paid
$46,273
See if paying highest-APR first would save you more. Pro feature.
Balance over time
Payoff order (snowball)
- 1Credit Card AMonth 11
- 2Credit Card BMonth 28
- 3Car LoanMonth 40
- 4Student LoanMonth 74
Get serious about being debt-free
Save scenarios, compare snowball vs. avalanche, simulate windfalls, and export a beautiful printable PDF payoff plan.
See Pro features →- Compare snowball vs avalanche side-by-side
- Save unlimited scenarios
- Branded PDF payoff plan
- Excel export with live formulas
- Windfall & lump-sum planner
- Monthly email progress reminders
How the debt snowball works
The simplest debt payoff method — small wins build momentum until your biggest debts disappear too.
List your debts
Smallest balance first. Ignore the interest rate for now.
Pay minimums everywhere
Stay current on every account. No late fees.
Attack the smallest
Throw every extra dollar at the smallest balance.
Roll the payment
When it's gone, add its payment to the next smallest.
Build momentum
Each debt falls faster than the one before.
Be debt-free
Most users see a finish line within 2–4 years.
Frequently asked
Is the debt snowball calculator really free?⌄
Yes. The calculator and CSV export are 100% free with no signup. Pro features ($4.99/mo) are optional.
Do you store my financial data?⌄
No — the free calculator runs entirely in your browser. We never see your debt details. Pro users can optionally save scenarios to their account.
Snowball or avalanche — which should I use?⌄
Snowball (smallest balance first) wins for most people because the quick wins keep you motivated. Avalanche (highest APR first) saves more money if you'll definitely finish.
Can I export this to Excel or Google Sheets?⌄
Yes. Hit "Export CSV" and open it in Excel, Google Sheets, or Numbers.
Compare strategies, save scenarios, export to PDF — all for $4.99/mo.