A debt-snowball calculator that's honest about the trade-offs — snowball vs avalanche, motivational vs mathematically optimal, the real total interest cost of each path, and the realistic timeline for your numbers.
Get notifiedSee featuresThe features that make Debt Snowball Calculator useful day-to-day.
Snowball vs avalanche — both shown, with the real interest difference. Snowball wins on motivation; avalanche wins on maths. Choose with eyes open.
Real total cost — every strategy's full interest projection. The number that makes a six-figure debt feel real, in a way the monthly minimum never does.
Realistic timeline — months to debt-free under each scenario, with sensitivity to extra-payment increases. The plan calibrated, not aspirational.
Mid-strategy adjustments — what happens if a windfall arrives, if a debt restructures, if income drops. The model that survives life rather than freezes.
Built for the people who'll actually use it, not for tick-box procurement.
Designed for daily use, not enterprise checkbox compliance. The features that matter, none of the ones that don't.
Hosted on our own servers in Estonia. No US-jurisdiction tracking, no third-party analytics, no data sales.
Currently in private build. Add your details and we'll let you know when it's open. b-systems.enquiries@proton.me