Resource center
Start with the calculator, use the workbook to track real progress, and use the guides when you need context for a decision.
Free download
Download the Excel workbook to organize debts, compare Snowball and Avalanche order, and track your actual progress month by month.
Workbook + calculator workflow
The downloadable workbook is best for monthly tracking. The web calculator is best for projecting payoff time and comparing Minimum, Snowball, and Avalanche scenarios.
Start here
Understand how the method works, how payments roll forward, and what to expect as balances disappear.
Read the guide →Decision guide
Compare smallest-balance-first with highest-APR-first before choosing a payoff strategy.
Compare methods →Planning
Build a practical repayment approach around your balances, required payments, and monthly budget.
Build a plan →Reference
Plain-language definitions for APR, principal, minimum payment, amortization, and other debt terms.
View glossary →Help
Answers to common questions about debt payoff calculations, Snowball mechanics, and using the site.
Browse FAQs →