Type what you owe and see the month you'll be debt-free — in about 10 seconds. Every payment you log moves the date closer.
Snowballer turns a pile of debts into one clear plan — and keeps it moving with every payment you make.
Snowball (smallest first) or avalanche (highest APR) — your call. See your projected debt-free month, what an extra $25 does to it, and the first win coming up.
Connect a bank with Snowballer Plus and balances, transactions, and even your cards' APRs and minimums stay current on their own. Read-only, secured by Plaid.
Log spending by typing, speaking or snapping a receipt, and see where the money goes. The payoff plan comes first; this helps you find the extra.
No ads. No tracking across other sites. Cookieless analytics. We never sell your data — read the 2-minute privacy policy and check. Bank sync is optional and powered by Plaid: read-only, we never see your password, and we can't move money. Delete everything anytime, right from the app.
Everything you need to pay off debt costs nothing. Plus adds bank sync and the automation on top.
What the other debt-payoff apps charge for
is what the app ranked for "debt snowball" charges to unlock the debt avalanche method and other strategies — the free version is locked to one order. Snowballer: every strategy, free.
is what EveryDollar charges for the Premium plan you need to see a debt-free date and track payoff progress. Snowballer: debt-free date, $0, forever.
is what the highest-rated "debt snowball" app charges for its subscription. Snowballer: the full plan free — you only pay for bank sync.
Debts, the payoff plan, snowball or avalanche, your projected debt-free month, what-if math, reminders. $0 — no trial, no catch.
Bank sync (read-only via Plaid), custom payoff order, Dial-a-Date, exports, and other automation. $4.99/mo or $39.99/yr with a 14-day free trial. Cancel anytime in iOS Settings.
Why isn't all of it free? No ads and no selling your data means Plus is the only way Snowballer makes money. You pay for automation — never for the plan.
Snowballer is built and operated by Snowballer LLC, a California limited liability company, and it's the work of one founder who built it to pay off his own debt. The domain snowballerapp.com, the app on the App Store, and this site all belong to the same company.
Questions, press, or anything legal: support@snowballerapp.com. How we handle your data is in the privacy policy; the agreement you're using the app under is the terms of service.
Found a bug or have an idea? We usually reply within a couple of business days.
In the app: Account → Delete Account. This permanently removes your debts, payments, transactions, habits, and any stored receipt or statement images.
Set a due day on a debt and Snowballer nudges you three days before the payment is due, plus a weekly progress recap. Daily habit reminders are separate and optional.
They're processed only when you choose to scan, to read the amount and details. See our Free spreadsheet Privacy Policy for full detail.
Plus is an auto-renewing subscription billed through your Apple ID — $4.99/month or $39.99/year, with a 14-day free trial for new subscribers. It renews automatically unless you cancel at least 24 hours before the period ends; cancel anytime in iOS Settings → your Apple Account → Subscriptions. The payoff math is free — Plus adds automation on top. See our Terms.
Bank sync uses Plaid: you sign in on Plaid's own screen, Snowballer never sees your bank password, and our access is read-only — we can't move money or change anything. Disconnect anytime in the app.
Yes. No ads, no tracking across other sites, and your data is readable only by you. The website uses cookieless analytics. We never sell your data or share it for advertising.
or email support@snowballerapp.com