Trusted since 1991

The Original Debt Snowball Calculator

Break free from debt with a simple, proven payoff plan. Instantly see your personalized payoff schedule and download it — no sign-up required.

  • Choose Snowball or Avalanche payoff strategy
  • Apply extra monthly payments to get debt-free faster
  • Step-by-step payoff schedule
  • CSV download included
  • Private — no sign-up required
Use the Calculator for Free
See How It Works

Over $114M eliminated by 16,000+ people using ZilchWorks.

WHY FREE

  • We believe life is better without debt.
  • We believe rock bottom is only temporary.
  • We believe every day is an Etch-a-Sketch.
  • We believe courage begins with a single choice.
  • We believe a rut is simply a grave with the ends kicked out.
  • We believe nobody is perfect. And everyone deserves a second chance.
  • We believe in asking for forgiveness when we screw up.
  • We believe we may never pass this way again!
  • We believe each of us has a pilot light.
  • We believe anyone can get out of debt. Even you.

👉 No loans. No gimmicks. Just FREE.

Calculate Your Debt-Free Future Now

No Sign-Up Required

Every debt-free journey begins with a single step. Today, that step is yours. Others have done it, and so can you. Let’s turn this moment into the start of your victory story.

Debt Snowball Calculator

Email your CSV

Enter your email to receive a download link to your payoff schedule CSV file.

How It Works

  1. Enter your debts — add balances, APR, and minimums.
  2. Add an extra payment (optional) — get debt-free faster.
  3. Pick your strategy — Snowball or Avalanche.
  4. Click Calculate — instantly see your payoff schedule.

Enter

Add balances, APR, minimums.

Add

Optional extra payment.

Pick

Snowball or Avalanche.

Calculate

See your plan instantly.

What to Do Next!

  • Download your CSV — keep a month-by-month payoff schedule you can track offline.
  • Follow your plan — make the scheduled payments and watch your debt disappear.
  • Share this calculator — tell your family and friends about this free tool.
Use the Calculator for Free

Why Trust ZilchWorks?

Helping people get out of debt since 1991

For over 34 years, ZilchWorks has helped more than 16,000 people eliminate $114 million in debt. Today, you can use the very same proven method — absolutely free.

“ZilchWorks is the most mind-bogglingly useful financial software I have ever seen.”
— C. H., Oklahoma
“This program is so easy to use… ZilchWorks showed me exactly what to do to reduce my debt as quickly as possible. I am gaining back my financial freedom.”
— Kathy McClain, Ed.S., Michigan
Over $114 million eliminated. Trusted by 16,000+ people since 1991.

A Special Note from Michael Riley

When I built ZilchWorks back in 1991, I wasn’t thinking about copycats, marketing, or gimmicks. I was thinking about people — people buried in debt, people like me, who needed a way out.

Over the years, I’ve seen dozens of imitators come and go. That’s fine. But if anyone is going to give this calculator away for free, it should be me — the original creator.

Here’s why I made it free:

  • Because debt already costs you enough.
  • Because not everyone can afford my full ZilchWorks product, but everyone deserves a chance at a debt-free life.
  • Because I believe in people chasing their ideas. If I could build something that has helped thousands, so can you.

I’ve walked this road. I know the struggle. That’s why I care so deeply about helping you break free. This isn’t a gimmick. It’s simply the best tool I can give you — for free.

— Michael Riley, USMC Gunnery Sergeant (Ret.) & Founder of ZilchWorks

Want Even More Control?

Upgrade to the paid version of ZilchWorks and unlock powerful features like:

  • One-off payments
  • Custom priorities
  • Dial-A-Date payoff planning
  • Detailed PDF reports
  • Light and dark themes
Unlock Full ZilchWorks Power
Use the Calculator for Free
ZilchWorks payoff planning report and tools.

As seen on:

As Seen on Good Morning America