About DebtSnowball

Free US debt tools

DebtSnowball.co.uk provides free, easy-to-use calculators to help people in the US take control of their debt. There's no sign-up, no paywall, and we never ask for your bank details — every calculation runs entirely in your browser.

What we offer

• Debt Snowball Calculator — pay off smallest balances first for quick, motivating wins.
• Debt Avalanche Calculator — clear highest-interest debts first to pay the least interest.
• Budget Planner — find the spare cash in your monthly budget.
• Mortgage Refinance Calculator — see whether refinancing saves money after closing costs.

You can browse everything by category — debt calculators, budgeting calculators and mortgage calculators — or start from the debt snowball calculator on our homepage.

Our guides

• Debt Snowball Method Guide — how the method works and how to run it by hand.
• Snowball vs Avalanche Guide — motivation against math, and what the difference costs.
• Budgeting Guide for Debt Payoff — build a budget that frees up a sustainable extra payment.
• All debt payoff guides

Not financial advice

Our tools are for information and education only and do not constitute financial advice. If you're struggling with debt, free help is available from a nonprofit credit counseling agency through the NFCC. For personal advice, speak to a licensed financial professional.