The Best Online Debt Snowball Manager
The Best Online Debt Snowball Manager will generate a payment plan to help you get those bills paid off. It can use the Debt Snowball (lowest balance first) or the Debt Avalanche (highest interest rate first) or even your own custom plan - choose which one works best for you.

Make Your Payments On Time, All the Time
Make Your Payments On Time, All the Time

See the powerful Debt Dashboards' newest feature, the payment planner. Quickly and easily see your upcoming due dates and planned payments for all of your accounts in one place and mark them as paid. Any overdue payments will be automatically highlighted.

Optional premium services
New Version Coming Soon!

There's a new version of the website in the works. It's going to be fully responsive and mobile device friendly. It's almost done and will be released at the end of August. Still free of course! Follow me on Twitter for more info.

Track Your Debts

track your accounts keeps track of all of your open debts and loans. Just add your information like monthly minimum payment, interest rate and balance and a payment plan will be automatically generated.

Manage Your Payments

manage your payments

Enter new payments (or purchases) and your balances, due dates and pay off dates will be automatically adjusted. You can even add multiple payments each month and assign them to the same billing month.

Customize Your Plan

customize your plan

It's easy to see when each debt will be paid off and how effective the debt snowball payment method really is. You can also add additional payment "snowflakes" to your snowball to speed up the process

A Little More About the Debt Snowball

The snowball debt payoff method is a very effective way to get out of debt. Basically, you pay the minimum amount on all of your debts except for the one with the smallest balance. Once that debt is paid off, you apply that payment towards the next debt and keep going until you're completely out of debt. is a free, no strings attached service that will use the snowball or avalanche method to finally get you out of debt. Remember, you don't need to provide any confidential or identifying information, just descriptions like "Visa Credit Card" or "Student Loan". No banking or personal information is ever required. This site is the result of my desire to use a single tool to accomplish the task rather than a mix of several mobile apps and spreadsheets. I hope you find it helpful. - Jeff

Click here for more info or here to try out the demo account

stop paying the minumum payments