The debt snowball method pays off your smallest balance first, then rolls that payment into the next-smallest debt, and so on, building momentum as each balance disappears. It's not the mathematically fastest way to become debt-free — the debt avalanche method (highest interest rate first) usually saves more in interest — but the snowball method's quick early wins are why it has a strong track record of actually getting finished. This calculator takes every debt you enter (balance, minimum payment, and interest rate) plus any extra amount you can put toward debt each month, and lays out the exact order to attack them, how many months until you're debt-free, and the total interest you'll pay along the way. Everything runs in your browser — your numbers are never sent anywhere or stored.