Live your best (debt free!) life with Undebt.it , a free, online debt snowball calculator (and much, much more)
Help me decide which feature to work on to make the site better. I only have a limited amount of time to work on the site, so I’d like to focus on areas that will be helpful to the most people. Please post any ideas or improvements to the site that you can think of to the comment form and I’ll add them to the list. Thanks!
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Ability to import/update from .csv.
Ability to print out the snowball schedule
https://undebt.it/blog/new-feature-export-snowball-table-excel/
Ability to see credit utilization by debt instead of just the overall percentage.
Great idea Lauren. Here you go: https://undebt.it/blog/february-2014-feature-updates/
Awesome! Thank you! 🙂
Would it be possible to add the option to make reoccurring additional payments/snowflakes? For instance, if I know an expense (i.e. daycare) will be ending in September, I’d like to be able to put that extra money towards my debt snowball. I can’t add it to my regular snowball until September, because I won’t have the money until then, but I still want to be able to see it’s affect on my Snowball table. I can do this manually, but it’d be nice to be able to have a feature to do this automatically. Another example would be that some of our income is seasonal (we own a landscaping company), so it would be nice to be able to add the negative “additional payment” for the slower months each year without having to do this manually. None of these are huge issues, but are just “nice to haves.” 🙂
Oh, another thing… 🙂 Would it be possible to edit the planned additional payments/snowflakes (instead of having to delete and re-add it)?
Yes, I’ve been meaning to add this for while now. It shouldn’t be too hard to do. Thanks
Ability to see how much you will owe on each debt at any given month on the snowball table.
Good idea. It will be an easy update.
Excellent, thank you!
A forum so users can talk to each other!
What about an option to pay down credit cards to a % of the credit limit instead of zero? Sort of a credit score repair option.
Say I want to pay credit cards down to 90% or 50% or 30% then move the snowball plus the difference in the lower minimum payment of that card to the next one in line.
The thinking is that if I have a few maxed out or over-limit cards, I probably want to get them all down to at least 90% asap before trying to pay one off totally. I assume this looks better on a credit report. Then if I can get them under 30%, my credit score should improve.
And I can still have the personal/auto loans in there where ever I want.
Your site is awesome!
Oh, and Google Sheets compatibility.
Ability to support promotional financing offers for *type of transaction* – IE (0% APR for balance transfers for 12 months). I have a card where 1/2 is under current interest rate, and 1/2 is under promotional finance rate of 0% for another 6th months (however – accumulating interest to be applied in event not payed off). The best solution I’ve found is to split the cards into two.
Great website, overall very satisfied user! Thanks again.
I don’t know if you’ve ever used MyFitnessPal, but the thing that made it stick out as the best fitness app for me was that at the end of the day, after all my hard work and willpower, and commitment to entering all my meals and snacks, I was able to click a button and it said, “If everyday was like today, you’d weigh 182.5 lbs in 5 weeks.”
It would be awesome to relate everyday choices with long term success in a similar way with debt payoff. Maybe today it’s forgoing that cup of coffee or deciding against buying fast food for lunch, and you commit to setting that money aside for extra snowflake payment. And you’re able to see: if everyday were like today, I’d pay off my debt “X” number of months faster, and save myself “X” number of dollars interest.