Not a budgeting app. Bill & Debt Snowball turns your income, bills and debts into a plan for every paycheck — and a debt-free date to aim for.
No judgment, no shame — just a clear next step.Opening to everyone soon.
Income, bills and debts. About five minutes.
What's due, what each check covers, and where the extra goes.
Your debt-free date updates every time your numbers change.
Free · no sign-up
Get a quick answer now. When you want it saved and kept up to date, the app does that part.
See what your next two checks cover, and spot a short one before it happens.
Try it free →
Your debt-free date, snowball and avalanche side by side, month by month.
Try it free →
Plain, checked guides: catching up on bills, paying off $5,000, emergency funds and more.
Read the guides →
Both pay every minimum and put your extra money on one debt at a time. They differ in which debt goes first — pick the one that fits you when you create your plan.
Debt Snowball
Smallest balance first
Clear your smallest debt first. Each one you finish frees its payment to roll into the next, so your payments grow as you go.
Best for: staying motivated with quick wins.
Debt Avalanche
Highest interest rate first
Put every extra dollar where interest costs you the most. You pay the least interest overall and are often debt-free a little sooner, though your first payoff may take longer.
Best for: paying as little interest as possible.
Avalanche is included with Pro. Whichever you choose, the app compares both for your own debts, and you can switch later.
It moves on by itself; swipe or use the arrows to look around.
Start free, and upgrade whenever you want more. Pro comes with a 14-day free trial for new subscribers.
Free trials that ask for a card 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; nothing connects to your bank. Bank syncing is planned for Pro but isn't available 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 essentials: up to 5 bills and 5 debts, your Overview with a plan for each paycheck, the Debt Snowball plan with your Focus Debt and debt-free date, past-due catch-up, and a budget. Plus removes those limits and adds subscriptions, savings and goals, the Emergency Fund, "What if I paid more?", the Monthly Review and Smart Snowball's plain-language explanations. Pro adds the Cash-Flow Forecast, What If? (Can I Afford It and the Extra Money Optimizer), switching to the Avalanche method, Net Worth, the "When your bills cost the most" report, downloadable backups of your data and the AI assistant (Free and Plus can try it with 3 questions).
Almost. Bank syncing, marked "Coming soon" on the plans, is still being built. Everything else, including the AI assistant, is live today.
Both pay the minimum on every debt and put your extra money on one debt at a time. Snowball goes smallest balance first, so you finish debts sooner and each freed payment rolls into the next. Avalanche goes highest interest rate first, so you pay the least interest overall. You choose when you create your plan (Avalanche is on Pro), and you can compare both for your own debts at any time.
Mark what's past due and the plan catches it up a little each paycheck, at a pace you can afford, before extra money goes to payoff. Tick Priority on anything you can't risk, like a car loan, to catch it up first, or enter a payment arrangement you've made with a company so those payments show on their dates.
Yes, there are no long-term contracts. Cancel any time from Settings; you keep your plan until the end of the period you've paid for, then your account moves to the Free plan with your data intact.
Yes. Your financial information belongs to you. It's never sold or used for advertising, and it's only used to run the app for you. See our Privacy Policy.