Snowball Your Debt
Debt payoff planning

Debt Snowball Calculator by Paycheck

Enter your payday, paycheck amount, bills, and debts, then see what is already spoken for before you decide where extra debt money can go.

Free to use No bank connection Save only when ready
Use it first

Enter one piece at a time. We will organize the plan for you.

First enter your paycheck. Then add each bill or debt. You can review everything before anything is saved to your account.

Paycheck dates Bills by paycheck Safe after bills Snowball target
1. Enter paycheck Tell us how much, how often, and your next payday.
2. Add bills Add one bill or debt at a time.
3. Review the ledger Correct anything that does not look right.
4. Save the plan Sign in and approve the dashboard transfer.
Step 1 Start here

Add Household Paychecks

Welcome

Welcome. Let's build your paycheck plan.

Add your income, match each bill to the paycheck that covers it, and review the results before saving.

  1. 1Add income
  2. 2Add bills and debts
  3. 3Review the plan
  4. 4Select Build My Dashboard at the bottom
Estimate your paycheck Use a quick calculator before entering take-home pay. Open calculators

Hourly paycheck and overtime

Enter your rate and hours.
Gross estimate before taxes and deductions. Enter the actual deposited take-home amount below.

Hourly and yearly pay converter

Enter an hourly rate or yearly salary.
Gross estimate before taxes and deductions.
Income 1Main paycheck
How are you paid?
Choose fixed when the deposited amount usually repeats. Choose variable when hours, overtime, tips, or the check amount changes.
Leave it blank and we'll just call it "Income 1."
Click to add this paycheck

Step 2

Add One Bill or Debt

Both may be paid monthly. Choose Debt with balance only when there is a total amount still owed.

Choose an item type below.
Most bills are monthly. Pick the real cadence so the plan does not overcount a quarterly or yearly bill as due every month.
Choose the income that will cover this bill. Its due date picks the correct check.

Next: Keep adding items until your list is complete. Every item you add appears in Step 3.

Step 3

Review Everything You Added

Spreadsheet view

This is your complete draft list. Check every name, amount, balance, and due date. Use Edit to correct an item or Delete to remove it.

Bill total amountThe full remaining balance. Used for debts only.
Monthly bill amountWhat you normally pay each month
Due dateThe next date this payment is due
Paid fromThe person or income selected for this bill
No items saved yet.
# Bill Name Bill Total Amount
Debts only		 Monthly Bill Amount Due Date Paid From Actions

Next: When the list looks correct, continue to Step 4 to keep it in your account.

Household Summary

All income and bills
All Debt Still Owed $0.00 Add a debt with its total balance to calculate payoff progress.
All Monthly Bills & Payments $0.00 Includes regular expenses and monthly debt payments.
Bills Needing Active Income $0.00 Every bill's selected income is currently active.
Safe After Main Paycheck's Next Paycheck Add bills first Add at least one bill before treating any paycheck money as available.
One-Time Money Available $0.00 Shown separately because it does not repeat or receive bill assignments.
Combined Income Entered $0.00 Adds one entered check amount from every income above. Each payday schedule stays separate.
Step 4

Keep This Plan in Your Dashboard

Save plan

Your items are currently stored only in this browser. Follow these steps to attach them to your account and keep them available after you log out or change devices.

  1. Make sure every item in Step 3 is correct.
  2. Select Build My Dashboard below.
  3. Sign in to your account or create one.
  4. On the dashboard, review the list and select Add to Dashboard.
Your paycheck setup comes with you Pay amount, pay frequency, and paycheck dates move into the dashboard.
Your bills are already sorted Each bill keeps its due date, payment, balance, and paycheck assignment.

Next, sign in and review your items. They are saved to your account only after you select Add to Dashboard.