You face a stack of loans that compound every month, route a fixed budget across them and clear the debt before the interest curve runs away from you.
Each turn you decide how to split your monthly budget across several debts, each with its own balance and interest rate. Interest compounds every month, and a live curve projects where your total debt is headed if you keep routing this way. Pay everything off to win, and the less interest you bled compared to the optimal plan, the higher your score.
Snowball makes compound interest and debt-payoff strategy tangible, showing how balances grow, and shrink, over time.
Splitting a monthly budget across debts of different balances and rates is the debt snowball method: clear the smallest balance first while paying minimums on the rest.
Showing a live projection curve is the original device.
The curve reveals the method's real trade-off. Snowball is contrasted with the avalanche method, which targets the highest interest rate first and is mathematically cheaper; snowball is defended on motivation, because an account closed early keeps people going. Seeing both projections makes that an informed choice rather than a slogan.
Snowball is an original free browser game that makes compound interest and debt-payoff strategy tangible, with a real-time projection of where your choices lead. Built in-house for PlayPendium.