100% free, forever
One plan. Everything included. $0.
No paywall, no ads, no upsell. The full debt snowball calculator and spreadsheet — free for as long as you need it.
Free forever
Built by people paying off debt, for people paying off debt.
$0/forever
- Debt snowball calculator (unlimited debts)
- Avalanche method + side-by-side comparison
- Payoff date, total interest, total paid
- Month-by-month schedule
- Balance-over-time chart (both methods)
- Save plans in your browser (no account needed)
- CSV export (Google Sheets / Numbers)
- Excel (.xls) spreadsheet download
- Printable PDF payoff plan
- Mobile friendly · zero ads · no tracking
Found it useful? Tell a friend who's also working to pay off debt. That's the only thanks we need.
Questions
Is it really free? What's the catch?⌄
No catch. The site has no ads, no tracking, no paywall. Every feature works for everyone.
Do I need to sign up or share my email?⌄
No. There are no accounts at all. Everything runs locally in your browser — open the page and start calculating.
Will my data ever be sold?⌄
Your debt data never leaves your device, so there's nothing to sell. We can't even see what you enter.
Can I share this with friends?⌄
Please do. The more people who get out of debt, the better.