Debt Snowball
A private debt-payoff planner in one HTML file on your machine: the balances, the plan, the month it's finally clear.
This is not a screenshot. It's the real tool, running right here: go on, put something in it.
Forged into a knife, this tool ages with use: the blades you reach for wear soft, entries you tend keep their bloom, and the years travel with the file through every reforge.
Debt weighs more when it's vague — a fog of balances you'd rather not add up. The Debt Snowball puts each one in daylight: the debt, the amount owed, the interest rate, and how much you've paid off so far, that last field being the one that keeps you going.
What it keeps
- Debtshort text
- Amount owednumber
- Interest rate %number
- Paid off so farnumber
Standing facts
- One HTML file. Opens in any modern browser, on any operating system.
- No account. No login, no sign-up, no e-mail wall.
- No cloud. Nothing leaves your browser: no server, no telemetry, no analytics.
- Yours forever. The file keeps working whether or not Offline.Ltd does.
- Ages with use. Entries you tend keep their bloom; the years travel with the file through every reforge.
In ten years
Whatever you put in (Debt, Amount owed, Interest rate % and Paid off so far) stays inside the file itself. There is no account to lapse, no plan to be sunset, no migration e-mail with a deadline in it. A decade of debt snowball entries is a decade of your own handwriting, kept in a document you can back up like any other.
If Offline.Ltd closes tomorrow, nothing on your machine notices. That isn't a marketing promise; it's simply what a file is.
Getting your data out
Export to CSV from inside the tool and open it in anything: a spreadsheet, another app, a text editor. Or keep the HTML file: it is plain, readable, and inspectable; you can open it in a text editor and see your own rows sitting there. No export queue, no "we'll e-mail you a link within 48 hours", no format that only one vendor can read.
Copy the file to a USB stick, a NAS, a folder your devices already sync. It runs on Windows, macOS, Linux, Android and iOS, online or off, because a browser is the only thing it ever needed.
Questions people ask
How does the debt snowball method work?
You list every debt with its balance and rate, then attack the smallest first while paying minimums on the rest; each one cleared rolls its payment into the next. The tracker holds the list — and the "paid off so far" field holds the momentum.
Is my debt information private in this tool?
Completely. The tracker is one HTML file running offline in your browser — no account, no lender integrations, nothing leaves the page. Your debts are visible to you and no one else, in a file you own.
Should I pay off smallest debts first or highest interest first?
Smallest-first is the snowball — it wins on morale; highest-rate-first is the avalanche — it wins on arithmetic. The tracker records both balance and rate, so it will keep faithful score whichever school you join.
Go deeper on Debt Snowball
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Fits your knife at weight 1. Nothing here is final, Knife follows Life. Reforging within your tier is free, forever. Add it, drop it, reforge it later; the file stays yours either way.