Free Debt Snowball App
See how much faster you can become debt-free with the debt snowball app.
Organize your debts in one place- Instantly see which debts to pay first and why
- Compare the debt snowball with other strategies
A Smarter Debt Snowball, Backed by a Nonprofit
Turn your debt snowball into a precision-guided plan. Our app instantly compares the snowball to other payoff methods like avalanche, pay minimum, and custom strategies—so you can choose the fastest and most cost-effective path. And if you want support, Cambridge’s certified specialists are just a click away.
Organize
Your Debts
Credit cards, personal loans, medical debts, collection accounts and more—just type or link, and you’re set.
See What
to Pay First
Our algorithm ranks your balances from smallest to largest and shows the exact dollar amount to send to each.
See Time &
Interest Saved
Watch your debt-free date jump closer and track every penny of interest you’ll avoid with snowball—or any other strategy you test.
All snowball calculations are 100% free—and so is a one-on-one budget review with a Cambridge counselor if you’d like expert eyes on your plan. There is no credit impact and no obligation to enroll. We’re here to help you understand your options and move forward with confidence.
Get your free debt snowball in minutes.
See how much faster you can get out of debt.
Frequently Asked Questions
What is the debt snowball?
The debt snowball is a repayment strategy that focuses on paying off your smallest debts first. As each one is paid off, you roll that payment into the next smallest balance—building momentum and motivation along the way.
How is this free?
Cambridge Credit is a nonprofit organization focused on helping people become debt-free. We provide these tools and resources to empower you, at no cost.
Is this a free trial?
No. This is not a trial—it's a free service designed to help you understand your options and build a plan that works.
Do I need to provide my personal information?
To see your results, you’ll need to provide your email address. Cambridge Credit and Budge take your data seriously and never share your information without your consent.
Compliance note: Budge is a financial-technology partner; counseling services provided by Cambridge Credit Counseling Corp., a 501(c)(3) nonprofit agency. Individual results vary.