The simplest way to stop feeling overwhelmed with debt is to take your first step towards financial freedom. Use the Debt Snowball Calculator to create an action plan that calculates your debt-free journey. Your financial toolbox just got bigger, pair it with your budget, mortgage, student loan, car loan apps, to help you achieve your ultimate goal - Financial Independence.

The Debt Snowball Calculator calculates the number of months and years it will take to become debt-free using your smallest balance first ONLY.

Here's how to use it.

Enter in your debt and the app will create a debt-free plan. This plan will give you a timeline for car loan payoffs, credit card payoffs, student loan payoffs and mortgage payoffs. By paying off all your debts, financial freedom will be one step closer.

Now that you've created your plan, track your progress with our printable debt-free charts. Choose between two styles: a blank chart where you can fill in your own information or a chart where the app generates all your payments. You'll be tracking your debt-free journey in no time!

Are you loving the app? We'd love to hear from you! Please take a moment to leave us a nice review or send us an email at We appreciate all your support!

What’s New

Version 1.3

New Features!
- You can now change your currency.
- Set monthly, annually, or one-time extra payments.
- A creditor balance that increases due to a small monthly payment and high-interest rates can now be added.
- iPad support.


Bug fixes

Ratings and Reviews

4.5 out of 5
17 Ratings

17 Ratings

Gossamer8 ,

No Snowball Options

I wish I had read reviews before purchasing this one. The only payoff method is paying lowest balances first. The dev responded to another review stating that paying highest interest rates first is called “debt avalanche”, but I have *never* heard of that. I’ve always seen both those options considered to be snowballing. The snowball method is that you take the money from a paid off debt and apply it to the next debt - that isn’t confined just to paying lowest balances first method. My bad for not finding out this app only has one payoff plan option and won’t work for me as I want/need to pay off higher interest rate balances first. 2 stars for the inspiration to make my own payoff plan charts like the ones in this app (using a payoff plan from another app that has highest interest rate first option).

Developer Response ,

Thank you for taking your time to review the debt snowball app. We are very sorry to hear of your bad experience. The debt snowball method is a debt reduction strategy, in which you pay off bills in order of smallest to largest, regardless of interest rate. You then roll the amount you used to pay those first debts into paying off your bigger ones — like rolling a snowball down a hill.The debt snowball method forces you to stay intentional about paying one bill at a time until you’re debt-free. We are always looking for ways to improve our app and would love for you to try us again in the near future.

bzigterman ,

Edit: Great in-app purchase

Edit: Update greatly improves the chart. It’s now personalized and I plan to print them off. Thanks!

Original: There’s no preview of what the in-app purchase chart will look like, but I figured it’s only a dollar and bought it. But the chart is just a name of the debt with a bunch of lines through it. No numbers, no dates. Just a lot of lines. I’m sure the lines mean something but I’m confused as to what.

Developer Response ,

Edit: Thank you for your continued support. We plan on enhancing the app even more.

Original: We apologize, we will do a better job of explaining the in-app purchase. The blank lines are meant to be filled out with the amount you pay towards that loan. They can be equal amounts or any amount. The goal of these charts is to just track your progress by filling in a row with color.

Denise Albright ,

So easy & love the all-inclusive view

It was super simple to funnel all my accounts into one place. So great that I can see it all in a single platform. I love that it quickly tabulates the payoff when I make additional seeing how much it reduces my payoff period!


Jesse Flores
12.7 MB

Requires iOS 11.4 or later. Compatible with iPhone, iPad, and iPod touch.



Age Rating
Rated 4+
© Jesse Flores - Everydayworks


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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