Add your balances, pick snowball or avalanche, and watch your debt-free date get closer with every payment.
Add each debt with its current balance, APR and minimum payment. Free plan: up to 3 debts — Pro unlocks unlimited.
Snowball attacks the smallest balance first (quick wins). Avalanche attacks the highest APR first (least interest).
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Yes. The tracker stores everything in your own browser (localStorage). Nothing is sent to any server. Cloud sync is planned for a future Pro update.
Avalanche pays less interest overall because it targets the highest APR first. Snowball pays off the smallest balance first, which gives faster wins and keeps motivation high. The tracker shows you both — pick the one you'll actually stick with.
Enter your minimums as the budget and the tracker still shows your debt-free date. Even small extra payments — $25 or $50 — move the date noticeably earlier. Try it.