Everything You Need to Crush Debt
A science-informed approach to paying off debt, designed by a physician who understands what actually motivates change.
The Snowball Method: Why It Works
Pay off your smallest debt first while making minimum payments on others. When it's gone, roll that payment into the next smallest. Your "snowball" grows with each victory.
List Your Debts
Smallest balance at the top, largest at the bottom
Attack the Smallest
Throw everything extra at your smallest debt
Roll It Forward
Add that payment to the next debt. Watch your power grow.
Why It Works
Small wins create momentum. Each paid-off debt proves you can do this, building confidence and motivation to tackle the next one. The math might favor other methods, but psychology wins the long game.
Packed with Features That Keep You Going
Debt Dashboard
See your complete debt picture at a glance
Payment Tracker
Log payments and watch balances drop
Snowball Calculator
Automatic payment scheduling and projections
Debt-Free Countdown
Know exactly when you'll be free
XP & Levels
Earn experience points with every payment
Achievement Badges
Unlock badges as you hit milestones
Quest System
Daily and weekly challenges keep you engaged
Privacy First
All data stays on your device
iOS + Mac
Seamless experience across Apple devices
See It in Action
Experience the satisfaction of crushing debt with celebrations that keep you motivated
Celebrate Every Victory
When you pay off a debt, the app celebrates with you. Watch debts get destroyed with epic animations and feel the momentum build with every win.
Level Up Your Progress
Earn XP with every payment and level up as you crush your debt. From Snow Flurry to Avalanche Mode — watch your power grow!
Ready to Start Your Journey?
Download Debt Snowballer and take the first step toward financial freedom. Your data stays on your device, and the app is free to try.