Not a budgeting app. Bill & Debt Snowball turns your income and bills into a real payoff plan — with a debt-free date attached.
No judgment, no shame — just a clear next step.No more guessing which bill or debt to tackle first — the app tells you.
Computed from your actual numbers every time they change — not a one-time guess.
Budget, bills, debts, savings, and forecasts — no spreadsheets, no separate apps.
Income, bills, and debts — takes about five minutes to set up.
We work out your available cash and recommend exactly where it should go.
Check off bills, log payments, and watch your debt-free date get closer.
A quick example — meet Alex.
Every month, Alex brings home $5,633. After $2,870 in bills and $650 in minimum debt payments, Bill & Debt Snowball tells Alex exactly what to do next: put an extra $470 toward the Visa card this month. Keep that up, and Alex is projected to be completely debt-free by August 2027.
Income
$5,633
Bills
$2,870
Debt minimums
$650
Extra to Visa
$470
Debt-free by
August 2027
Click any screenshot to see it full-size.
Income, bills, debt minimums, and surplus at a glance, plus every upcoming bill in one list.
The debt snowball method, computed against your actual numbers — with a real debt-free date, not an estimate.
See exactly which paycheck covers which bill, 60 days out, so nothing gets missed.
Set what you expect to spend, log what you actually spend, and see the gap instantly.
A week-by-week projection of income minus bills and debt minimums, so surprises don't happen.
See exactly how many months and how much interest an extra payment would actually save.
Named savings goals with a target, a date, and a progress bar that actually moves.
Billing isn't live yet — every feature is available free while we finish building it.
$0
$9.99/month
or $79/year (~34% off)
$16.99/month
or $139/year (~32% off)
14-day free trial included
When paid plans launch, free trials convert to a paid subscription automatically unless you cancel before they end, and subscriptions renew automatically until you cancel. You can cancel any time online in Settings. See our Terms of Service.
No. You enter your income, bills, and debts yourself, and nothing connects to your bank right now. Bank synchronization is a planned Pro feature, not live yet.
No. Bill & Debt Snowball doesn't lend money, negotiate with creditors, or touch your credit report. It's a planning tool that tells you where your own money should go each month.
Free covers the basics — up to 5 bills and 5 debts, your Debt Snowball order, Focus Debt, debt-free date, and the Paycheck Planner. Plus removes those limits and adds Smart Snowball's plain-language reasoning, the Debt Payoff Simulator, Savings, Emergency Fund, Goals, Sinking Funds, Monthly Financial Review, and what-if scenarios. Pro adds the AI Financial Assistant, advanced cash-flow forecasting, Can I Afford It / Extra Money Optimizer, subscription tracking, net worth tracking, advanced reports, and data export.
Most are. A few Pro features — the AI Financial Assistant and bank synchronization — are still in development. Everything else on this page is live and working today.
You pay the minimum on every debt, then put every extra dollar toward the one with the smallest balance. Once it's paid off, that payment rolls into the next one, building momentum until you're debt-free.
Yes, no long-term contracts. Once billing is live, you'll be able to cancel or change plans whenever you want.
Yes. Your financial information belongs to you. It's never sold, and only used to power your own plan.