The free debt snowball calculator using Dave Ramsey's proven method. No signup. No spam. Just results.
List all your debts with balances, minimum payments, and interest rates.
Pick Debt Snowball for motivation, or Debt Avalanche to save money.
Get your exact debt-free date and monthly breakdown.
Save your plan, export to calendar, or share on social media!
Compare both methods side-by-side. See which gets you debt-free faster.
See how much faster with extra $50, $200, or a $5,000 bonus.
Detailed payment schedule showing exactly which debt to pay.
Watch the seconds tick down to your debt-free date.
Earn badges: Explorer, Snowball Starter, Extra Miler, and more!
Print, save PDF, export to calendar, or share on social media.
"This calculator changed everything. Seeing my exact debt-free date made it real. I paid off $12,000 in 8 months!"
— Sarah M., Debt-Free in 2024
"The 'what if' scenarios are genius. I realized an extra $100/month would save me 2 years. Best calculator I've found."
— Mike T., Saved $3,200 in Interest
"Finally a calculator that shows both snowball AND avalanche. Helped me pick the right method for my situation."
— Jennifer L., Financial Coach
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