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Enter each debt's balance, APR, and minimum payment. Takes 2 minutes for most people.
See exactly how much of your money goes to interest each month, and when you get it all back.
Every debt you clear puts money back in your pocket. Permanently.
The debt snowball method is a debt repayment strategy where you pay off your debts from smallest to largest balance, regardless of interest rate. You make minimum payments on all debts except the smallest one, which you attack with all available extra money. Once that debt is paid off, you roll that payment into the next smallest debt, creating a "snowball effect" that builds momentum as you clear each debt.
TrySnowball takes your UK debts (credit cards, personal loans, overdrafts) and shows you exactly when you'll be debt-free using the snowball method. It works out your payoff timeline, shows which debt to clear first, and reveals how much interest you'll save compared to making only minimum payments. It handles UK specifics like APR and multiple debt types.
The debt snowball method prioritises quick wins by clearing small debts first, which builds momentum and keeps you motivated. The debt avalanche method targets high-interest debts first and saves more money on interest mathematically. Research shows the snowball method has higher success rates because people stay motivated seeing debts disappear. The best method is the one you'll stick with. TrySnowball shows both approaches so you can choose.
The timeline depends on your total debt amount, interest rates, and how much extra you can pay each month. On average, UK users with £10,000 to £15,000 in consumer debt become debt-free in 2 to 4 years using the snowball method. TrySnowball shows your exact debt-free date in seconds based on your debts and what you can pay each month.
No signup required. You can use TrySnowball without creating an account. Just enter your debts and see your payoff plan. If you want to save your progress and track payments as you go, you can create a free account. We never share your financial data.
See your complete debt payoff timeline. Enter your UK debts and get your exact debt-free date in seconds. Free, no signup required.
Calculate if a 0% balance transfer saves you money. Work out your fee, interest savings, and monthly payments.
If your minimum payments alone are out of reach, free debt advice helps more than a calculator can. These UK charities offer free, confidential support:
No fees, no obligation. They'll explain your options including debt management plans, breathing space, and IVAs where appropriate.