Debt Snowball
Accelerator
Stack your debts, throw a small extra amount from every paycheck at the smallest one, and watch each payoff roll into the next. This engine runs the cascade month by month and hands you the exact dates your debts die — plus how much sooner you're free versus paying minimums only.
Your Debt Stack
Up to 4 debts. Don't stress about order — the engine attacks the smallest balance first, automatically.
Payday Micro-Boost
A small extra amount skimmed off every paycheck and aimed at your smallest debt. Small on purpose — it has to survive every single pay period.
Payday Snowball Acceleration Blueprint
Your payoff battle plan, in attack order.
Track every snowball payment with the Debt Payoff Tracker and run it weekly with the Paycheck-to-Paycheck Weekly Planner on Gumroad — grab the free Paycheck Protection Checklist too.
Get the tools on Gumroad →Straight Answers
Why does smallest-first beat highest-APR for most people?
On paper, attacking the highest APR first (the avalanche) saves a bit more interest. But paper isn't the problem — quitting is. Most people don't fail a payoff plan because the math was slightly off; they fail because months pass with nothing to show for it and motivation dies. Knocking out the smallest debt fast gives you a real win early, frees up a whole payment, and proves the plan works. A good plan you actually finish beats a perfect plan you abandon in month three — and the interest gap between the two is usually much smaller than people expect.
What exactly is the rollover effect?
When a debt hits zero, its payment doesn't disappear — it stacks on top of the attack payment aimed at the next debt. Say your smallest card took a $25 minimum plus your $54 monthly boost. The day it's gone, that full $79 rolls onto debt #2, on top of its own minimum. Every debt you kill makes the payment hitting the next one bigger, which is why the back half of a snowball moves so much faster than the front. That's the whole engine: the payment grows while the target list shrinks.
What if I miss a boost week?
Nothing breaks. The blueprint assumes you boost every paycheck, so a missed week just nudges your payoff dates a little later — it doesn't reset anything, and your minimums keep the balances moving regardless. The fix is boring on purpose: don't try to double up next paycheck if that would squeeze rent or groceries. Just restart the boost on the next payday and keep the streak going. Consistency over months is what moves the dates, not one heroic payment.
Estimates assume no new charges are added, minimums are paid on time every month, and APRs stay fixed. Your actual dates will shift if balances, rates, or payments change.