Start free. Pay once, only if it helps.
Not sure where to begin? Open the free debt calculator — no email, no sign-up, just a payoff order and a debt-free date. If you want the full plan, or your whole money picture in one calm place, the paid tools are a single payment — no subscription.
The simplest way to choose
What should I use?
Just want a quick estimate
Use the free calculator — no email, no sign-up. Enter your debts and see a payoff order and a debt-free date. If that's all you need, you're done.
Clearing debt and want a real strategy
The Snowball Plus™ Debt Hub — $39 builds and keeps your full plan: it protects approaching deadlines first, reduces cost, and stays true as life changes.
Want your whole money life in one calm place
The Slow Money Dashboard — $159 holds budget, bills, savings and net worth together, reviewed gently — no feed, no notifications.
Want to do both — The Slow Money Set
Clear the debt with the Hub, then hold the whole picture in the Dashboard, on one sign-in. It's the complete system — one payment, no subscription.
If money is tight right now
If you can't currently cover your minimum payments, a free, regulated debt adviser can do more for you than any tool — and it won't cost you anything. Talk to StepChange, National Debtline or Citizens Advice — all free.
The full comparison
Side by side.
| Free Debt Calculator | Snowball Plus™ Debt Hub | Slow Money Dashboard | The Slow Money Set | |
|---|---|---|---|---|
| Price | Free | $39, one payment | $159, one payment | $189, one payment |
| Best for | A quick payoff estimate | Clearing debt with a real strategy | Organising the whole household's money | Doing both |
| What it does | Estimates a payoff order and debt-free date | Builds and maintains your full Snowball Plus™ debt plan | Holds budget, bills, savings, debt and net worth in one place | Everything the Hub and the Dashboard do, together |
| Login required? | No | Yes — secure email link | Yes — secure email link | Yes — one sign-in for both |
| Includes the debt plan? | Estimate only | Yes | Sits beside your money — add the Hub for the full plan | Yes |
| Can I upgrade later? | — | Yes — inside the app | Yes — inside the app | — |
No bank connections, ever — you enter only what you choose. Every paid tool is one payment, with no subscription and no recurring fees.
Already own one of these?
Already own the Hub or the Dashboard? You can upgrade to the other tool — or the full Set — from inside the app whenever you're ready. Not sure what you already have?
Customer login & help →Common questions
Are they subscriptions?
Do I need the Dashboard as well as the Debt Hub?
Is any of this financial advice?
Educational tools, not regulated financial advice.