Terms of Service

By using DebtSnowball.org, you agree to use the site and its tools for lawful, personal informational purposes and to evaluate important financial decisions independently.

Educational tools, not individualized advice

DebtSnowball.org provides calculators, worksheets, articles, and other educational resources. They do not constitute individualized financial, legal, tax, credit, bankruptcy, or investment advice.

Calculator estimates

Calculator results depend on the information you enter and on simplified assumptions about interest, payments, and payoff order. Actual lender calculations can differ because of compounding conventions, payment timing, fees, changing APRs, changing minimum payments, account activity, rounding, and lender or program rules.

Special debt types

Federal student loans, tax obligations, collection accounts, bankruptcy-related debts, mortgages, home-equity debt, and other secured or regulated obligations can involve consequences that are not modeled by the calculator. Review applicable official information or qualified professional advice before relying on a generic payoff order for those debts.

Shared links and downloads

You are responsible for deciding what information to include in shared plan links and downloaded files. Do not place account numbers, passwords, Social Security numbers, or other sensitive identifiers in debt-name fields. Anyone with a shared plan URL may be able to read the plan data encoded in it.

No guarantee of outcome

DebtSnowball.org does not guarantee that a strategy will reduce interest by a particular amount, improve a credit score, prevent default, qualify you for a program, or result in debt payoff by a particular date.

Third-party services and links

The site may contain advertising and links to third-party websites. DebtSnowball.org does not control those third parties or their products, terms, availability, or policies.

Availability and changes

Features, content, calculations, downloads, and these terms may change over time. We may correct errors, remove content, or change how the site operates without preserving a previous version indefinitely.