Start for free. Stay in sync with Pro.
The calculator is free forever. Upgrade to Pro for cloud sync, multi-device access, and power features like debt plan sharing.
Free
Everything you need to start crushing debt
- Unlimited debts
- Proven snowball method
- Full amortization schedules
- Charts & visualizations
- Payment adjustments
- Windfall calculator
- Snowball vs. Avalanche comparison
- Multiple local plans
- "What if?" extra payment slider
- Works offline
- No sign-up required
Pro
Cloud sync, multi-device, and power features
Everything in Free, plus:
- Cloud backup & sync
- Access from any device
- Multiple cloud-saved plans
- Email notifications & reminders
- Monthly progress digest
- Export to CSV & PDF
- Free partner or spouse account
Frequently Asked Questions
Is the calculator really free?
Yes! The full calculator with unlimited debts, amortization schedules, charts, and local storage is completely free. No sign-up, no trial, no catch.
Why the snowball method?
The snowball method targets your smallest balance first, giving you quick wins that build momentum and keep you motivated. It's the most popular debt payoff strategy for a reason — it works.
Do I need Pro to use the calculator?
No. Pro adds cloud sync (access from multiple devices), email notifications, and export features. The full calculator works without an account.
Can I cancel Pro anytime?
Yes, cancel anytime with one click. Your local data stays on your device. Cloud data is retained for 30 days after cancellation.
Is my financial data safe?
Your data is stored locally on your device by default. With Pro, cloud data is encrypted and stored securely on Cloudflare's global network. We never share or sell your data.
Can I just leave a tip instead of subscribing?
Absolutely. If the calculator helps you and you'd like to say thanks without a recurring commitment, you can leave a one-time tip from the About page. Every bit is appreciated and goes directly toward keeping the lights on.
Who made this and why is it free?
Simple Debt Snowball was built by Josh — a husband, dad of three, and developer from the midwest who found himself in more debt than he was comfortable with. The core calculator is free because the people who most need a debt payoff tool shouldn't have to pay $15/month to use one. A Pro subscription covers the cost of cloud sync, storage, and ongoing development. Read the full story →