Pay off your smallest debts first and build unstoppable momentum. Enter your debts below and see exactly when you'll be debt-free using the snowball method.
List all your debts from smallest to largest balance. Pay minimums on everything, then throw every extra dollar at the smallest debt. Once it's gone, roll that payment into the next one — your "snowball" grows larger with every payoff.
Paying off a whole debt — even a small one — gives a real dopamine hit. Research shows that behaviour change is more about motivation than math. If you've tried avalanche and lost steam, snowball might be the method that actually gets you there.
Pay minimums on all debts, then put all extra money toward the smallest balance first. Once it's paid off, roll that payment into the next smallest. Quick wins keep you motivated.
Avalanche saves the most money (targets highest interest first). Snowball builds momentum with quick wins. If staying motivated is your challenge, snowball often leads to better real-world results.
It depends on your balances and interest rates, but most people see their first debt eliminated within 6–18 months. Each payoff accelerates the next one.
Yes, ideally. New charges on paid-off cards would restart the cycle. Consider freezing cards or switching to a debit card while executing your payoff plan.