Payoff Snowball

Payoff Snowball is a free, in-browser debt payoff calculator that helps you compare the snowball and avalanche repayment strategies side by side. It lets you enter multiple debts with balances, interest rates, and minimum payments, then calculates your debt-free date, monthly payments, and total interest paid. The tool runs entirely client-side with no data sent to servers, offering options like lump-sum payments, ongoing charges, and custom strategy blends. It also allows exporting your payoff plan and sharing it easily.