Credit Card Snowball Calculator

Optimize your debt payments with the reverse snowball method

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CSV with Due Date, Issuer, Statement Balance, Minimum Payment

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How the Reverse Snowball Method Works:
  1. Pay minimums first to avoid penalties
  2. Apply remaining funds to the largest balance
  3. Continue with next-largest balance if funds remain
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Your Payment Plan Results

Upload your data and calculate to see your reverse snowball payment plan here.

The reverse snowball method prioritizes paying off credit cards with the highest balances first, which can help reduce interest costs quickly.