Live Debt Free

What is

  • is a free, mobile-friendly debt snowball management tool & payment planner will generate an easy to follow payment plan to help you eliminate your debt. It can use the Debt Snowball (lowest balance first), the Debt Avalanche (highest interest rate first) or even your own custom plan. Choose which one works best for you and switch between them at any time. Just plug in your basic account information and will take care of the rest. See how it works.


Website Features

  • Here's what can do for you:
  • Multiple debt payoff plans, including custom plans
  • "Debt Snowflake" additional/one-off payment support
  • Add unlimited debt accounts
  • Sortable & exportable payment history per debt account
  • Summary view with projected payoff date & total interest
  • No personal information or links to your banking accounts required
  • Responsive design works on all major web browsers, tablets and phones
  • Localized currency formats
  • SSL encryption (https) protects your information
  • Did I mention it's completely free?

Powerful Debt Management

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 one-off payments, aka debt snowflakes to your snowball to really speed up the process. When you record your payments, your balances, due dates and pay off dates will automatically be adjusted.

Free Debt Snowball Calculator

This free tool will let you create a one-off debt payment plan that can use the snowball or avalanche method. No account signup is required to use it, but you have the option to create one after your plan is calculated. Try it out now, there's no catch.

Go Premium is an optional membership that gives you access to premium content for a low yearly price. Some of the features include bill management, the 52-week savings challenge, Debt Blaster, advanced historical & projection graphs and account restructure/consolidation simulations, Google, iCloud & Outlook calendar sync support and even YNAB syncing. Upgrade now or enable the free 30-day trial.

Ready to Give it a Try?

Get control of your debt today so you can live debt free!