❄DebtSnowballGo Pro
100% free · No signup · Used by 12,000+ people

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.

Start your plan — it's free →How it works
No email CSV · Excel · PDF Snowball + Avalanche

Your debts

Beyond your minimums. Try $50 — small amounts make a huge difference.

Total debt$38,800
Minimums per month$710
Your monthly payment$910

You'll be debt-free in (snowball)

6 yrs 2 mo

by August 2032

Total interest

$7,473

Total paid

$46,273

Snowball vs Avalanche

Switching to avalanche would cost the same in interest

Balance over time — both methods

Payoff order (snowball)

  1. 1Credit Card AMonth 11
  2. 2Credit Card BMonth 28
  3. 3Car LoanMonth 40
  4. 4Student LoanMonth 74
Everything · 100% free

Every feature, unlocked

No paywall, no signup, no upsell. The calculator that costs $9/mo elsewhere — free here, forever.

  • Snowball + Avalanche side-by-side
  • Unlimited debts & scenarios
  • Save plans in your browser
  • Balance-over-time chart
  • Month-by-month payoff schedule
  • CSV download (Excel / Sheets)
  • Excel (.xls) spreadsheet export
  • Printable PDF payoff plan
  • Mobile friendly · zero ads

How the debt snowball works

The simplest debt payoff method — small wins build momentum until your biggest debts disappear too.

1

List your debts

Smallest balance first. Ignore the interest rate for now.

2

Pay minimums everywhere

Stay current on every account. No late fees.

3

Attack the smallest

Throw every extra dollar at the smallest balance.

4

Roll the payment

When it's gone, add its payment to the next smallest.

5

Build momentum

Each debt falls faster than the one before.

6

Be debt-free

Most users see a finish line within 2–4 years.

Frequently asked

Is the debt snowball calculator really free?⌄

Yes. Every feature — calculator, snowball/avalanche comparison, saved plans, CSV, Excel, and PDF export — is 100% free with no signup.

Where is my data stored?⌄

Entirely in your browser. We never see your debt details. Saved plans live in your browser's local storage and never leave your device.

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. The calculator above shows both at once so you can compare.

Can I download the debt snowball spreadsheet?⌄

Yes — click the Excel button for a .xls spreadsheet, CSV for Google Sheets/Numbers, or Print for a clean PDF.