Write down every debt you owe. Include the creditor name, current balance, APR, and minimum monthly payment. Do not skip any, even the small ones.
Use your most recent statement or online account balance before calculating a target payoff date.
A written plan turns a general goal into a clear sequence: which debt comes first, how much you will pay, and when you expect to be debt-free.
The extra payment amount needs to survive real life. Even $50 to $100 per month compounds when you keep applying it consistently.
A short monthly check-in keeps balances accurate, makes wins visible, and gives every windfall a job before it disappears into spending.
Decide whether you will use the snowball method, avalanche method, or a custom order. Then identify how much you can add beyond minimums and run the numbers to find your debt-free target date.
Once a month, update your balances and log payments. If you get a bonus, refund, or side income payment, apply it directly to your focus debt as a snowflake payment.
SnowballPay automates the first four steps in under 2 minutes. Add your debts, choose a strategy, and get the full month-by-month schedule with your debt-free date.
Free forever plan available. No credit card required.