The Free Tool That
Gets You Out of Debt helps you pay off your debts so you can finally do what you want with your money. Live debt free in 2024! ipad screenshot

What is is a free, mobile device friendly debt snowball calculator that generates an easy-to-follow payment plan - so you can finally eliminate your debt and do the things you really want to do; like travel or retire early. For over 10 years, has helped hundreds of thousands of people all over the world pay down billions of dollars in debt. You can do it too! has 8 different accelerated debt payoff methods to choose from (including your own custom plan). The two most popular plans are paying down the debts with the lowest balance first (aka the "Debt Snowball") and paying down accounts with the highest interest rate first (aka the "Debt Avalanche"). Choose which one works best for you and easily switch between them at any time. Just plug in your budget & basic debt account information and will take care of the rest.

See How Works
Take the tour | check out the website features | see the screenshots

Here's What You Can Do With Right Now...

using your computer, tablet, phone or pretty much any mobile device

All the Basics

  • Add and manage unlimited debt accounts
  • Choose between multiple debt payoff plans, including custom plans
  • Export your accounts, payment history & payoff plan to Excel
  • See your projected payoff date & total interest

POWERFUL DEBT MANAGEMENT makes it easy to see when each of your debts will be paid off - and proves how effective the debt snowball payment method really is. You can even add additional one-off payments (aka "Debt Snowflakes") to your snowball to speed up the process! As you record your payments, your debt balances, due dates and payoff dates will automatically be adjusted.

These Are The Accelerated Debt Payoff Plans You Can Use With

  • Debt Snowball
  • Debt Avalanche (Stacking)
  • Debt Hybrid (Debt-to-Interest Ratio)
  • Cash Flow Index (CFI)
  • Highest Monthly Payment
  • Highest Credit Utilization
  • Highest Monthly Interest Paid
  • Your Own Custom Plan
Track your debt payoff progress over time

Try the Free Debt Snowball Calculator (no account or sign up required)

Create a one-off debt payment plan using either the Debt Snowball, the Debt Avalanche or three other debt stacking payoff methods.

Just plug in your budget & basic debt info and you'll get a complete payment plan and a debt free date. There's no account required to use the calculator, but you'll have the option to create one after your plan is calculated if you like.

Try the Debt Snowball Calculator Now
Create Your Free Account Now
& start taking control of your debt today. There's no catch, it really is free

Are You Looking For Advanced Features Too? has plenty to offer that you won't find anywhere else.

If you really want to get in control of your debt, you've come to the right place. has tons of advanced debt management features that you'll only find here on this site. You can track your recurring non-debt accounts (like cell phone bills) with the bill management module and even take the 52-week savings challenge. Destroy your debt with the Debt Blaster payment enhancement plan. Always know where you stand with your payment plan by using Google/iCloud/Outlook calendar syncing. can even sync your account info with the popular budgeting app You Need a Budget. The images below are a few examples of the exclusive Payoff Snapshots that update automatically with your current stats.

debt payoff journey infographic
payoff snapshot - debt free date with total debt paid down
payoff snapshot - debt stats by month
debt paid off by month on calendar