Know which debt to tackle first — even when 0% dates, interest rates and minimum payments pull you in different directions.
Enter your debts once. Snowball Plus™ compares risk, interest cost, monthly pressure and momentum, builds the order that protects you first — and holds that plan steady as real life changes it.
Free to start — no email, no signup. One payment unlocks the full Hub. No subscription, no bank connections.
Preparing for launch. The Debt Hub is in final testing — purchases and access open on this page once testing completes.
Free vs paid, plainly
What’s free, and what one payment unlocks.
| Free calculator | Debt Hub — $39 once |
|---|---|
| One current estimate | A saved, updateable plan |
| Basic starting order | The Snowball Plus™ four-layer decision, explained per debt |
| No login | Secure email access — no password to remember |
| No plan history | Original and updated versions retained |
| Free | $39, one payment |
“If I can start free, what am I paying for?” — the plan being kept: saved, re-settled when your balances change, with promo deadlines watched and the reasoning shown. The free run answers today’s question; the Hub keeps answering it.
The idea
A payoff plan is only useful if it survives contact with real life.
A plan you made in January is fiction by March. A rate moves, a 0% window quietly runs down, a hard month lands — and the tidy schedule stops matching reality. That's usually the moment people stop following the plan, and the moment the plan stops helping. The Debt Hub is built the other way round: it decides what to clear first for reasons it shows you, and when life shifts, you update your balances in a couple of minutes and the plan re-settles around the truth.
How Snowball Plus™ decides
Four reasons, checked in order.
Every debt in your plan is ranked for a reason it shows you — in plain English, beside the debt, calculated from your own figures. No black box, no single-number sort.
Protect
A deadline is approaching. When a 0% or promotional rate is close to ending — deferred-interest deals above all — that balance can move to the front of the route, even when a colder cost calculation would rank it lower.
Reduce Cost
This balance costs the most to carry. When no deadline needs defending, the route goes after the highest rate currently being charged — ranked by the rate it's about to charge, not the teaser it's charging today.
Reduce Pressure
Clearing this frees real monthly room. A smaller balance carrying a disproportionately large minimum is flagged beside the route, because clearing it releases money every month.
Momentum
A quick, real win. A small balance that can clear within a couple of months is named as a win you can feel — never at the expense of protection or cost. No confetti, no streaks. Just a debt that stops existing.
The full methodology is published — what the Debt Hub protects first, in what order, and what it deliberately doesn't do: read it here.
A worked example — fictional figures
Three debts, three different “right answers”.
[FICTIONAL WORKED EXAMPLE — NOT CUSTOMER DATA] The debts below are invented for illustration. They are not customer data, and your own plan is calculated from your own figures. This is education, not personalised financial advice.
| Fictional debt | Balance | Rate | Minimum |
|---|---|---|---|
| Store card | $1,100 | 29.9% | $55/mo |
| Credit card | $3,600 | 0% — ends in 10 weeks, then 27.9% | $90/mo |
| Personal loan | $6,800 | 7.9% | $190/mo |
A plain snowball says: smallest balance first — the store card. A plain avalanche says: highest rate first — also the store card, because the credit card is “0% today”.
Snowball Plus™ flags the credit card first under Protect: in ten weeks its $3,600 starts charging 27.9% — the most expensive event on the horizon. The plan clears what it can before the window closes, then turns to the store card under Reduce Cost, and names the store card’s payoff as your first Momentum win. The loan’s $190 minimum is watched under Reduce Pressure but left to run — its rate is the cheapest money on the table.
One situation, three answers — and the difference is real money. That’s the decision the Hub makes visible, on your figures, with the reason beside every debt.
What it does month to month
Set once. Then it keeps up with you.
Refresh in two minutes
Update this month's balances and see the new forecast as a preview — payoff date, interest saved, next focus. Nothing is saved over your plan unless you choose "Update my plan" and confirm.
The freed minimum, yours to direct
Clear a debt and its old minimum doesn't vanish. You choose: roll it onto the next debt so progress compounds, or keep it as monthly breathing room. The plan prices both honestly.
Promo windows, watched for you
Promotional rates and their expiry dates are tracked inside the plan, so a 0% window ending doesn't become an unwelcome surprise on a statement.
Route Review, every refresh
Each refresh answers the question that matters: has your focus changed, or does your route still hold? Steady months get a steady answer — the plan never invents drama to feel useful.
A payoff date you can see
One clear horizon and the interest you're saving against it — the two numbers that turn a pile of balances into a route with an end.
The same engine as the Dashboard
The same planning engine that powers the Slow Money Dashboard — so if you add the Dashboard later, your whole plan carries across on one sign-in.
What it deliberately doesn't do
Steady, not stressful.
No subscription
$39 once. It's yours.
No bank connections
You enter your debts yourself — nothing to breach, nothing to resell.
No shame, no red alarms
Wherever you're starting from is a fine place to start. The tool is here to help, not to judge.
No hype, no false promises
Clear projections and realistic timelines — never a guaranteed number.
Founding offer
25% off for the first one hundred.
Use code FOUNDING100 at checkout — it takes 25% off the Debt Hub, the Dashboard, or the Set. One code, applied on the payment page — when the hundred are gone, it quietly stops working. No countdown, no pressure.
Clear the debt, then hold the whole picture.
The Debt Hub ($39) and the Slow Money Dashboard ($159) together for $189. The Hub finds the calmest route out of debt and keeps it true; the Dashboard holds your budget, savings and net worth beside it — so the money each cleared debt frees has somewhere to go next. Same sign-in, same engine.
Already own one Slow Money tool? You can upgrade to the Set from inside the app whenever you're ready.
Is this for you?
An honest word before you buy.
This is for you if you can cover your minimum payments and want a clear, honest answer to "where should my extra money go, and when will this be done?" — especially if 0% deals, promotional rates, or split-balance credit cards are part of your picture, because that's exactly where generic advice breaks down.
It's not the right tool if your minimums don't currently fit. That's important information, not a failure — and a free debt adviser can do more for you than any calculator: StepChange, National Debtline and Citizens Advice in the UK, or the NFCC in the US. The Hub itself will tell you the same thing if your numbers show it.
Questions
The honest answers.
How is Snowball Plus™ different from a snowball or avalanche calculator?
Is this financial advice?
Do I have to connect my bank?
What happens when my situation changes?
What happens after I pay?
What if it's not for me?
It's progress you can keep.
Preparing for launch. Purchases open on this page once final testing completes.