Debt Snowball Calculator

Stop paying minimums with no end in sight. Debt Snowflake shows your exact zero-debt date and how much interest you'll save, then builds a step-by-step repayment plan to get you out of debt fast.

Enter each balance and APR, set a monthly budget, and this debt snowball calculator and debt tracker instantly compares the Snowball method (smallest balance first) against the Avalanche method (highest interest first). See the full payoff schedule, total interest saved, and the date you'll be debt free - side by side, before you commit.

PAY OFF EVERY KIND OF DEBT
• Credit card payoff calculator - rank cards by balance or APR
• Student loan payoff timeline
• Auto loan, personal loan, medical debt, mortgage and other loans
• Debt consolidation scenarios - compare one plan against many minimum payments

SNOWBALL vs AVALANCHE - CHOOSE YOUR STRATEGY
• Debt Snowball: knock out small balances first for momentum
• Debt Avalanche: target the highest interest to save the most money
• Side-by-side comparison: months and interest saved for each method
• Debt Snowflake: roll every extra payment into the next debt automatically

SEE YOUR DEBT-FREE DATE
• Exact zero-debt date and a live debt-free countdown
• Amortization schedule and repayment plan for every loan
• How long to pay off credit card debt at your current payment - or with one extra payment
• Windfall Simulator: drop a tax refund or bonus onto a balance and watch the debt-free date move

STAY ON TRACK
• Record payments, track balances, and hit 25 / 50 / 75 / 90% milestones with confetti
• Set the payoff budget you can actually afford and stick to it
• Works 100% offline - no bank login, no account, your data stays on your device

FREQUENTLY ASKED QUESTIONS
• How do I pay off debt fast? A debt payoff plan that orders your balances by the Snowball or Avalanche method beats juggling minimum payments - and this planner shows exactly which saves more time and interest.
• How much interest will I save? The calculator projects your total interest for each repayment strategy and the date you'll be debt free.
• Is it a free debt payoff app? Free to install with unlimited debts; a one-time purchase removes ads - no subscription.
• Does it link my bank? No. This is a manual debt tracker and loan calculator - you enter balances and APRs, nothing is uploaded.

Whether it's credit card debt, student loans, a car loan or medical bills, see the real cost of minimum payments and get a clear path to being debt free. Download Debt Payoff Planner, set your date, and start your countdown to zero debt tonight.

Recent changes:
NEW: the debt-free countdown widget — days-to-debt-free, progress bar and remaining balance on your home screen, updated the moment you log a payment.

Also new:
• Days-left counter on the dashboard
• Rollover alerts: clear a debt, see what rolls into the next one
• Progress celebrations at 25%, 50%, 75% and 90% paid off
• Weekly challenge: what one extra payment does to your debt-free date
• Widget option in Settings: show days or the date