Snowball Your Debt

Stress-Free Paycheck Method

Welcome back

Track bills, balances, payments, and what money is left after each paycheck.

Household Paycheck Snapshot Bills first. Then decide what is available.
Safe After Bills $0.00 After assigned bills
Totals the selected paycheck cards shown below after their assigned bills. It is a planning number, not a live bank balance.
Next Bill

Set up your paycheck plan

Add your paycheck amount, next payday, and bills. The dashboard will help show what is covered and what is still pending.

Paychecks This Month $0.00 Save setup
Bills This Month $0.00 All bill dates this month
Debt Remaining $0.00 Active debt balances

Bills & Debts

Payoff method
Snowball targets smallest balance.
0 total Editable

Update balances, apply payments, mark bills paid, or remove bills you no longer need.

# Bill Name Balance Payment Due Date Est Payoff Type Paycheck Paid Actions
Calendar View

Bill Calendar

See paydays and upcoming bills by date without changing your saved bills.

Household income

All Income Sources

+ Add Income
Repeating income shows the next 3 checks. Variable income shows up to 3 checks the user entered. Each circle shows the share assigned to bills.

Next Paychecks

Next 3 checks

Quick view of assigned bills, pending bills, and money left by paycheck.

Budget Setup

USD plan

Keep each income separate. The dashboard handles the combined timeline.

Does your main take-home amount stay about the same?
"Changes each time" is for hourly, overtime, or tip income. Add each real paycheck as you learn it, no guessing ahead.
Household income sourcesAdd a spouse, partner, second job, or other paycheck with its own schedule.

Need to start over? Clears every saved bill from this dashboard. Your paycheck setup stays.

Debt Progress

0%
Starting Debt $0.00
Current Debt $0.00
Debt Paid Down $0.00
Monthly Payments Freed $0.00

Add debt balances to see payoff progress.

Debt math uses active saved debts. Deleting a mistaken bill removes it from totals. Re-adding it counts it once.

Emergency Fund Planner

Smart Funds / Sinking Funds

Plan ahead for major expenses before they derail your debt payoff. Add up to 3 goals here, such as property tax, car repair, Christmas, vacation, or an emergency cushion.

Separate from debt
How Smart Funds work

Smart Funds are planning goals only. They do not count as debt, they do not get added to your bill totals, and this dashboard does not move or pay money for you. Enter the target amount, what you already have saved, and the deadline. Snowball estimates what you may need per paycheck so you can decide what to set aside after your real bills are handled.

Use this area to keep important expenses visible. After you make a real transfer or payment outside the app, update the saved amount here so the dashboard stays accurate.

Smart Funds stay here and are not included in debt totals.

Important: This section is a tracker and planning tool only. Pay your actual bills first, then decide whether to set aside money for a Smart Fund. Snowball does not hold, transfer, or pay this money for you. Update this section after you make the real-world payment or transfer so your plan stays accurate.
Coach Chat

Snowball Coach

Coach
Coach
Hey, I'm here. Ask me about a bill, paycheck, debt payoff, or money decision whenever you're ready.

Optional. Fill this in right before asking the Coach a question about what you can actually afford or spend right now. It sharpens that one answer using real-life spending since payday. It never changes your paycheck or bill math, and skipping it is fine for every other kind of question.

This coach provides planning help only. It does not pay bills, access your bank, or replace professional financial advice.

Smart Payoff Focus

Next Best Move

Coach

No debt target yet

Add your debts and payments. The dashboard will point you toward the next smallest active balance.

Handle assigned bills first. Then send extra money to the smallest active debt so your snowball keeps moving.
Snowball Goal 0%

Add an active debt balance to see the next payoff target.

Important Reminder

Quick Reminder

This dashboard tracks and coaches, but it does not pay bills for you. Confirm real payments with your bank, lender, or provider before marking anything paid.