Know exactly which debt to tackle first — even when 0% dates, interest rates and minimum payments pull you in different directions.
Snowball Plus™ compares risk, interest cost, monthly pressure and momentum to build a debt plan for complicated real life — not an idealised spreadsheet.
One-time payment · No bank linking · Save and update your plan · Educational tool, not debt advice
Not here for debt? Explore the Slow Money Dashboard, the books, or the free Starter Stack™.
Why the order matters
Four reasons, checked in order — shown beside every debt.
Snowball and avalanche each sort your debts by one number. Real debt rarely cooperates: a 0% window is quietly running down on one card while another charges 29.9% and a third eats your month with its minimum payment. Snowball Plus™ weighs all four pressures — Protect (deadlines first), Reduce Cost (the rate a balance is about to charge), Reduce Pressure (minimums that crowd your month), Momentum (a real, near-term win) — and shows you the reason next to each debt, calculated from your own figures.
Free vs paid, plainly
Start free. Pay once only if you want the plan held.
The free calculator takes about a minute: enter your balances, see your estimated payoff order and debt-free date. No email, no signup.
| The free calculator | The Debt Hub — $39 once |
|---|---|
| One current estimate of your payoff order and debt-free date | A saved plan you update as life changes |
| A basic starting order | The full Snowball Plus™ four-layer decision, explained per debt |
| No login, no email | Secure email access — no password to remember |
| Nothing kept | Your original and updated plans retained |
| Free, no signup | One payment — no subscription |
Beyond the debt
Your whole money life, on one clear page.
The Slow Money Dashboard ($159) keeps budget, bills, savings, debts and net worth together — bought once, owned outright, no bank connections. Add it to the Debt Hub as The Slow Money Set ($189) and the money each cleared debt frees has somewhere to go next.
What Slow Money is
Money is simpler than it's made to feel — once someone explains it plainly.
We explain how money actually works, in plain English, and we build small tools that do one job well. You read at your own pace, decide what fits your life, and move when you're ready. Slow isn't slow progress. It's progress you can keep.
Start here, for free
The Slow Money Starter Stack™
A short, calm set of foundations to read first — the plain-language groundwork most of us were never given: how to see your whole money picture without dread, where your money is quietly leaking, and what a steady first move actually looks like. It's free, it's yours to keep, and it asks for nothing but an email so we can send it.
Get the free Starter Stack →Free. No payment, no upsell wall. One email, and it's in your inbox.
Where to go next
Two simple ways in.
The library
When you'd rather read your way in. Four books that take a subject at a time, from clearing debt to planning later life, written to be understood the first time.
The journal
When you have a specific question. Short, honest articles on the money questions people actually search for, with no affiliate agenda buried in the answer.
From the library
Four books, one subject at a time.
Published under Slow Money Press™ and written by Mel G. Prosper — the same calm, plain-language approach as everything else here.
Wealth, Slowly
How ordinary money becomes lasting stability, built patiently rather than gambled for. The flagship read for anyone who wants the whole picture in one place. (Previously published as Unlocking Financial Freedom.)
You're Not Behind
For anyone convinced they've left it too late to sort their money out. A steadying, practical reset for the middle of life.
Never Too Late
A clear-eyed guide to planning for retirement when the timeline feels tight, without panic or false promises.
Raising Money-Confident Kids
How to give children a calm, capable relationship with money, long before anyone hands them a bill.
Plain about it
What this is, and what it isn't.
What it is
Honest financial education — clear explanations and calm tools you can use at your own pace, from a small independent publisher.
What it isn't
Regulated financial advice, a get-rich scheme, or a subscription that quietly drains your account. We don't shame you, chase you, or sell your data. If your situation is serious — payments you can't meet, debt you can't cover — a free, non-profit debt counsellor can do more than any book or tool. In the US, the NFCC; in the UK, StepChange, National Debtline or Citizens Advice.
Ready when you are
Start with one small, honest step.
Most people begin with the free Starter Stack and go from there. There's no rush, and nothing to lose.