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Add Your Debts
Enter balances, rates, and minimum payments manually or from statement details. Your setup stays simple and private.
People using SnowballPay report more clarity, less stress, and stronger follow-through month to month.
SnowballPay keeps the plan specific: what to pay first, how much progress you made, what the chart is saying, and when your current path reaches zero.
Compare Snowball, Avalanche, and your own custom order, then follow the one that best fits your motivation, interest cost, and cash flow.
Track remaining balances, payoff dates, and progress milestones as your numbers change. SnowballPay recalculates the plan around the real month you are in.
See how much room you have after minimums, essentials, and acceleration so the plan stays realistic.
See whether +$25, +$50, +$100, or +$200 a month changes your payoff date, interest cost, and cash buffer.
Turn the charts into a simple coach read: what changed, why it matters, and what payment move to make next.
A visual walkthrough helps new users understand what they enter, what SnowballPay calculates, and what they track after the first plan is built.
Enter balances, rates, and minimum payments manually or from statement details. Your setup stays simple and private.
Compare Snowball and Avalanche, choose a payoff order, and see the monthly path behind your debt-free date.
Log payments, watch balances move, and keep momentum visible as each debt gets closer to zero.
Ready to see your personalized plan?
Start with the free calculator or save a plan in your dashboard.
Free is enough to see the first path. Pro is for the months after that, when balances change, motivation dips, and the next safe payment move needs to stay obvious.
Sample Pro coach output
Free
Build the first plan
forever
Run the payoff math, compare strategies, and save a starter plan without putting the calculator behind a signup wall.
Start FreePro
Monthly payoff coach
per month after trial
Use debt-free progress charts plus coach notes to see what changed, what it means, and which safe payment move to make next.
Start Pro TrialBest fit when you want the plan reviewed every month, not just calculated once.
Free plan requires no card. Pro trial lasts 14 days and can be canceled before billing.
Everything you need to know before you start your debt payoff plan.
The Debt Snowball method pays off your smallest debt first while you keep minimum payments on the rest. Once one balance is gone, you roll that payment into the next debt to build momentum.
Avalanche prioritizes the highest interest rate first to minimize total interest paid. Snowball prioritizes the smallest balance first for faster early wins. SnowballPay supports both approaches.
SnowballPay applies safeguards to protect your account data and limit unauthorized access. Review the Privacy Policy for the latest details.
No. SnowballPay does not require a bank connection. You can add debts manually or import statement files.
You can track credit cards, personal loans, auto loans, student loans, medical debt, and more. Each debt includes fields for balance, rate, and minimum payment.
Yes. You can switch between Snowball and Avalanche or define a custom order. Your projected timeline updates automatically.
Free helps you build the first payoff plan. Pro is for follow-through: unlimited debts, custom priority order, debt-free lever charts, monthly payoff coach notes, and buffer guardrails when the plan needs attention.
No. SnowballPay is a planning and tracking tool. It does not negotiate, settle, or reduce debts for you. It helps you understand payoff order, monthly progress, and possible next steps.
Still have questions? Contact support ->