Snowball: Debt Payoff Planner

iOS Universel / Finance

Snowball helps you pay off debt with a clear plan you can actually follow.

If you are juggling credit cards, student loans, car loans, personal loans, medical bills, or buy now pay later balances, it is easy to feel like all your payments are competing for attention at the same time. Snowball turns that pressure into a step-by-step payoff plan so you can see exactly what to pay first, how long payoff could take, and how your progress changes every time you make a payment.

Start by adding your balances, APR, minimum payment amounts, and due dates. Snowball instantly builds a payoff strategy based on your real numbers and shows your projected debt-free date, payoff order, total interest, and monthly path forward. Instead of guessing what to do next, you get a focused plan you can revisit anytime.

Snowball is built around two proven payoff strategies:

• Snowball: pay off your smallest balance first to build momentum and stack wins faster
• Avalanche: pay off your highest interest debt first to reduce interest and save more money over time

Compare both side by side and decide which strategy fits your goals, motivation, and timeline. If you care most about quick wins, use Snowball. If you care most about lowering interest, use Avalanche. You can switch between them and instantly see how your payoff date and interest totals change.

With Snowball, you can:

• Add and organize multiple debts in one place
• Track credit cards, personal loans, student loans, auto loans, medical debt, and more
• Enter balances, APR, minimum payments, and optional due dates
• See your debt-free date as soon as your plan is created
• View your payoff order and know which balance to attack next
• Log payments and keep your balances current
• Watch your payoff timeline update as your numbers change
• Add extra monthly payments and see how much time and interest you could save
• Review reports that make progress easier to understand
• Stay motivated with milestones as you move closer to debt freedom
• Set reminders for upcoming payment dates
• Export your payoff plan when you want a sharable version of your strategy

Snowball is designed for clarity. You do not need a complicated budgeting workflow just to understand your debt payoff plan. You do not need to fight through clutter to find your next step. The app is focused on one core job: helping you create a payoff strategy, stay consistent, and keep moving.

This makes Snowball useful if you are:

• paying down credit card debt and want a payoff calculator with a real plan
• comparing debt snowball vs avalanche before committing to a strategy
• trying to lower interest costs with smarter extra payments
• working toward a specific debt-free date
• replacing spreadsheets with a cleaner debt tracker and payoff planner
• looking for a loan payoff planner that feels simple and motivating

Snowball is also useful because it helps you turn information into action. Your balances and rates are not just stored in a list. They become a plan you can use month after month. When you log a payment, increase your extra amount, or pay off a balance completely, your strategy updates so you can keep making decisions from current numbers instead of outdated assumptions.

You can build your plan without turning debt payoff into a giant financial setup project. Add your numbers, choose your strategy, and stay focused on the next step.

Every payment matters. A small extra amount each month can move your debt-free date closer than you expect. Snowball helps you see those tradeoffs clearly, so your plan is not just hopeful, it is measurable.

Whether you are starting with your first credit card payoff plan or managing several balances at once, Snowball gives you the structure to stay organized and the visibility to stay motivated. Build your plan, follow your payoff order, track your progress, and keep going until every balance hits zero.


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Quoi de neuf dans la dernière version ?

Welcome to Snowball.

• Build a personalized debt payoff plan in minutes
• Compare Snowball and Avalanche side by side
• Log payments and track progress over time
• See your debt-free date, reports, and reminders