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Debt snowball calculator

Build a month by month snowball payoff plan, smallest balance first, with the payoff month per debt and a downloadable CSV schedule.

Enter your debts and a budget to see the plan.

Snowball pays the smallest balance first, so the first win comes fast and freed payments pile onto the rest. The trade is interest: if a big high-rate debt sits at the back of the line, the avalanche order would cost less. This tool models fixed APRs compounded monthly with no fees, late charges, rate changes, or balance transfers, and it is arithmetic, not financial advice.
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