Enter balances, rates, terms, minimums, and as-of dates.
Track each debt from its real starting point, including principal-and-interest minimums and current-month totals.
Snowball · Debt payoff calculator
See the payoff plan before you commit.
Snowball turns loans, rates, minimums, and extra payments into a clear payoff path: payoff momentum, interest-savings comparisons, amortization detail, and workbook-grade exports.
snowball.ameliorationdev.com
Synced
Payoff plan
Debt-free target: Aug 2029
Snowball active
Total principal$42,860
Interest saved$8,420
Months saved31
Card 124.99%$310 extra
Student loan6.40%queued
Auto loan4.90%final debt
Workbook export
Formulas stay intact.
Import your workbook back into the app without losing calculator state.
Before Snowball, payoff planning usually meant -
Copying formulas across tabs
Guessing where extra payments went
Charts that did not match the plan
Exports that broke the workbook
Now the model, chart, and workbook stay together.
What Snowball keeps clear
A payoff calculator that respects the real spreadsheet.
Snowball is built for people who want confidence before they redirect cash: loan inputs, payoff order, one-time payments, recurring extras, charts, and exports all point at the same plan.
Choose momentum, interest savings, or a custom queue.
Prioritize by balance, rate, or manual order, then preview exactly where the next extra dollar lands.
Model one-time and recurring extras without guesswork.
Add payment months, recurring ranges, rollover behavior, and final-debt choices while the schedule updates immediately.
See interest saved, payoff dates, and balance curves.
Compare normal payoff against the accelerated plan, then inspect the loans that create the biggest savings.
Export the workbook without flattening the model.
Snowball preserves formulas, tables, charts, merged cells, formatting, and import data for future edits.
Use local-only mode or sign in to sync your plan.
Plan without an account, or use email sign-in when you want your payoff state available across sessions.
How it works
Start with your debts. Then test the next decision.
Snowball gives payoff planning a stable workflow: capture the loans, set the payoff rule, add the extra payments you are considering, then export the workbook when the scenario is worth keeping.
Loan InputsPrincipal, rate, minimum, as-of date
Payoff OrderBalance, rate, or custom queue
ExtrasOne-time, recurring, and rollover rules
SummaryInterest saved, dates, months saved
ExportWorkbook parity with import state