Pay off debt faster — and know exactly when you'll be free.

The snowball method pays off your smallest debt first while making minimum payments on the rest. When a debt is gone, its payment 'rolls over' onto the next smallest balance — building momentum and motivation.

Mathematically, the avalanche method (highest APR first) almost always saves the most interest. The snowball method usually finishes a month or two later but delivers faster psychological wins, which helps most people stick with the plan.

Even an extra $50–$100 a month can shave years off your payoff. Start with whatever you can sustain, then increase it whenever you free up cash — a raise, a side hustle, or a paid-off debt rolling forward.

Most planners suggest building a starter emergency fund of $1,000–$2,000 first, then attacking high-interest debt aggressively while continuing to save. Our Emergency Fund Calculator can size your safety net.

Yes — the calculator, snowball/avalanche comparison, and payoff timeline are completely free. Premium adds saved scenarios, a full month-by-month amortization table, PDF export, and progress tracking.