You're not alone. Millions feel overwhelmed by debt. But there's a proven method that can help you become debt-free, even when starting with almost nothing.
Debt Eliminated
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A simple, proven strategy that builds momentum by paying off your smallest debts first
The debt snowball method focuses on paying off your smallest balances first, regardless of interest rates. While you pay minimum amounts on all debts, you put every extra dollar toward the smallest debt until it's completely gone. Then you roll that payment into the next smallest debt, creating a "snowball" effect.
When you're struggling financially, you need hope more than perfect math. Paying off that $300 store card feels amazing and proves you can do this.
When stressed about money, complex strategies fall apart. The snowball method is beautifully simple: smallest balance first, period.
Each paid-off debt eliminates a monthly payment, giving you more money to attack the next debt. This compounds quickly.
Starting with just $20 extra per month
Powerful tools designed for real people facing real financial struggles
Automatically orders your debts and shows exactly when each will be paid off using the snowball method
See your complete debt elimination journey with a month-by-month timeline showing when each debt disappears
Perfect for couples! Track whose debt is whose with visual badges and see debt breakdown by person
Compare consolidation loans to see if they'll actually help. Smart selection prevents over-borrowing
Create budget buckets and track spending to ensure you stay on track with your debt payoff plan
Month-by-month progress tracking with visual checkboxes to celebrate each payment made
Track items you could sell to accelerate debt payoff and see their impact on your timeline
Test different strategies like extra payments, selling assets, or adding income to see the impact
Track side gigs, bonuses, and windfalls. Allocate extra income directly to your debt snowball
Celebrate your wins! Mark debts as paid off and watch your snowball grow stronger
See how even $20 extra per month can save thousands in interest and years of payments
Easy on the eyes during those late-night budget sessions. Toggle between light and dark themes
Visual monthly bar graphs showing if you're over or under budget to help you stay on track
Plan future purchases after becoming debt-free. Compare saving vs financing to avoid new debt
Enter all your debts from smallest to largest balance. Don't worry about interest rates - the snowball method focuses on quick wins.
Even $20 extra makes a difference. Track additional income, sell unused items, or find small ways to save.
Pay minimums on everything except your smallest debt. Throw every extra penny at it until it's gone.
Once that first debt is gone, take that entire payment and add it to the next smallest debt's minimum.
Each paid-off debt adds to your snowball. By the time you reach your largest debt, you'll have massive monthly payments.
Track your progress, celebrate milestones, and join thousands who've broken free from debt slavery.
Many offer hardship programs, reduced payments, lower interest rates, or temporary deferrals. It never hurts to ask.
If you can't pay all minimums: 1) Housing/utilities, 2) Transportation, 3) Food/medicine, 4) Then credit cards.
Nonprofit credit counseling agencies can negotiate with creditors. Find legitimate ones at NFCC.org.
You don't need a high income to become debt-free. You need a plan, persistence, and the willingness to start where you are with what you have.
No credit card required. 100% free forever.