The debt snowball method, visualized. Stack your debts smallest to largest, crush the first, and roll every freed payment straight into the next. The weight you knock down becomes the force behind it.
Ezo sorts your debts smallest to largest and builds the optimal attack order using proven debt snowball logic.
When a debt clears, its minimum payment stacks onto the next target. Your attack power grows with every win.
Watch the stack shrink in real time. Each debt you crush makes your momentum impossible to ignore.
Every cleared debt triggers confetti and queues your next target. Small wins deserve big moments.
Not ready for your real numbers? Load the demo data and watch the snowball method work in practice.
Your debt data lives in your browser. Close the tab, reopen it, everything is right where you left it. No accounts.
Enter each debt — name, balance, interest rate, minimum payment. Ezo handles the rest. No spreadsheet required.
Ezo ranks them automatically. Pay minimums on everything else, throw every extra dollar at the smallest balance. Knock it down fast.
When it clears, add its minimum to the next target. Your attack payment grows with every debt you eliminate. That's the snowball.
The avalanche method (highest interest first) saves more money on paper. But the snowball method wins because quick wins build the psychological momentum to keep going. Ezo is built on that principle: give you something to crush, then hand you the next.
Add your first debt. Watch the stack form. Feel the momentum build.
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