❄️ Debt snowball calculator

How to use this calculator

1. 1

   List every debt, not just the worrying ones

   A plan that omits a debt produces a date that cannot happen. Include cards, store cards, personal and auto loans, and any medical payment plan with a required monthly amount. Enter accounts separately even when they share a bank — the order and the rolling both work per account.

2. 2

   Use each debt's current minimum, not its usual payment

   The minimum is the contractual floor, and the plan's budget is built from those floors plus your extra. If you have been paying more than the minimum on one card, that difference belongs in the "extra per month" box instead, where the plan can direct it deliberately.

3. 3

   Set an extra you can hold every month

   Even $0 works — the rollover alone beats minimum-only, because cleared minimums keep working. If you are unsure, run the plan at $0, then at $50, then at $150 and compare dates. The right extra is the largest one you will not resent in month seven.

4. 4

   Watch the order, and the first cleared date

   The payoff order panel shows exactly which debt the plan attacks first and when it disappears. That first date is the snowball's whole argument: it is usually much sooner than people expect, and it is the moment the freed minimum joins the next target.

5. 5

   Add a snowflake if you know one is coming

   A tax refund or a bonus in a specific month is a one-time extra — enter the month number and amount and the whole downstream schedule shifts. A hard month works the same way in reverse: a negative amount eats that month's extra, and never your contractual minimums.

6. 6

   Save the plan, then check it monthly

   Saving puts the plan in your own browser and unlocks the Debt-Free Date page, which tells you on every visit whether your date moved closer or drifted. Plans that get checked are plans that hold; nothing is uploaded either way.