Free debt snowflake calculator from Fynvorax. See how small extra payments shorten payoff time and reduce interest on credit cards and loans.
The debt snowflake method adds small, frequent extra payments on top of your minimum due. Unlike snowball or avalanche strategies that focus on which account to pay first, snowflake payments use everyday savings (for example $10–$15 per day) to reduce principal sooner. On high-APR debt, even small early payments can cut interest and shorten the payoff timeline.
The Debt Snowball requires paying down entire debts sequentially based on balance size at set monthly intervals. The Debt Snowflake, conversely, focuses on fluid, opportunistic micro-payments made immediately on a daily or weekly basis from variable savings.