Skip to main content
Snowball is a debt repayment tracker designed to help you take control of your finances and reach financial freedom faster. Whether you have credit cards, student loans, or other balances, Snowball helps you organize every debt, pick the right payoff strategy, and stay motivated as you watch your balances drop.

Quick Start

Set up your account and add your first debt in under 2 minutes.

Payoff Strategies

Learn how the Snowball and Avalanche methods work and which is right for you.

Add Your Debts

Step-by-step guide to entering your balances, interest rates, and minimum payments.

Track Your Progress

See your payoff timeline, upcoming milestones, and total interest saved.

​
How Snowball works

1

Create your free account

Sign up with your email and password at debt-snowball-7.emergent.host. Setup takes less than 2 minutes.
2

Add your debts

Enter each debt — credit cards, student loans, medical bills, auto loans — with its current balance, interest rate, and minimum payment.
3

Choose a payoff strategy

Pick the debt snowball (smallest balance first) or debt avalanche (highest interest first) method. Snowball builds momentum; avalanche minimizes total interest paid.
4

Track and celebrate progress

Watch your balances decrease, see your projected debt-free date, and celebrate each balance you pay off completely.
Snowball is completely free to use. Create your account and start your debt-free journey today.