About DebtSnowball
We believe getting out of debt shouldn't require a finance degree, a $200 software subscription, or a complicated spreadsheet you have to babysit every month.
Why we built this
The debt snowball method has been around for decades, popularized by authors like Dave Ramsey. It works because it's simple: smallest balance first, roll payments forward, repeat. But the spreadsheets floating around the internet are either broken, locked behind email walls, or use formulas only an accountant would love.
We built DebtSnowball to make it instant. No signup. No email. Plug your debts in, see your debt-free date in seconds, and walk away with a real plan you can act on tomorrow morning.
How we keep it free
100% free, forever. No Pro tier, no paywall, no ads. Every feature — the calculator, snowball vs avalanche comparison, saved plans, and CSV, Excel, and PDF exports — works for everyone. The site is funded by nothing more than the satisfaction of helping people get out of debt.
Not financial advice
DebtSnowball is an educational calculator. It uses standard interest formulas and the well-known snowball ordering. For specific decisions about debt consolidation, balance transfers, or bankruptcy, please talk to a licensed financial professional or nonprofit credit counselor.