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This guide walks you through first-time setup — from creating your account to reviewing your personalized debt payoff plan. Follow the steps below and you’ll have a complete plan in under two minutes.
Add all your debts before picking a strategy so Snowball can generate the most accurate payoff plan.
1

Create your account

Go to debt-snowball-7.emergent.host/register, enter your full name, email address, and a password, then click Create account. If you already have an account, sign in at debt-snowball-7.emergent.host/login.
2

Sign in to your dashboard

After registration, sign in and you’ll land on your personal dashboard. This is your home base for managing debts, viewing your payoff plan, and tracking progress.
3

Add your first debt

Click Add Debt, then enter the debt name (for example, “Visa Credit Card”), current balance, interest rate (APR), and minimum monthly payment. Repeat for each debt you want to track.
4

Choose a payoff strategy

Select either Debt Snowball (smallest balance first) or Debt Avalanche (highest interest first). Not sure which to pick? See Payoff Strategies for a detailed comparison.
5

Review your plan

Snowball generates a personalized payoff schedule showing your projected debt-free date and the total interest you’ll pay. Review the plan and adjust your extra monthly payment to see how it affects your timeline.
For detailed guidance on entering debt information, see Adding Debts.