Debt snowball calculator, planned by paycheck
Enter your debts and how often you get paid. See your debt-free date, snowball and avalanche side by side, and exactly what to pay from each paycheck. Free, no signup, no bank login.
How it works
What is the debt snowball?
Pay the minimum on every debt and put every extra dollar on the smallest balance. When it's paid off, its payment rolls into the next smallest. Quick early wins keep you going.
Snowball or avalanche?
Avalanche puts the extra on the highest interest rate first, which costs the least interest. Snowball finishes your first debt sooner. The calculator shows both so you can see what the difference costs.
Why plan by paycheck?
Bills come monthly but money comes weekly, every two weeks or twice a month. The plan splits each monthly minimum across your paychecks and tells you what to pay on each payday, so nothing waits until month end.
Where are my numbers stored?
Only in this browser on this device. Nothing is sent to us. Interest is estimated daily from your APR, so your statements will differ by a few dollars.