SnowballKit

SnowballKit is a mobile + web app that builds debt snowball or avalanche plans, then keeps them realistic as your month changes. Users connect accounts (or enter balances manually), set a safe “minimum cash buffer,” and the app generates a payoff schedule with clear tradeoffs: fastest payoff vs lowest interest vs lowest monthly stress. The core is a “shock mode” that recalculates when you miss a payment, get hit with a fee, lose income, or need to pause extra payments—without making you feel like you failed. It also includes a simple negotiation checklist (scripts + reminders) for calling lenders to request APR reductions or fee waivers, and it tracks whether those calls actually improved the plan. This is not a magic wand: it won’t erase debt, but it will stop the common spiral of abandoning a plan after the first disruption.