Snowball

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.

How to play

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.

• Enter a payment per debt, then advance the month
• Interest compounds on every remaining balance each month
• The dashed curve projects your payoff trajectory
• Clear all debt with the least interest paid for the best score

Controls

• Desktop: type a payment into each debt's box and click Advance month, or use the Auto Avalanche / Auto Snowball buttons.
• Phone & tablet: tap the inputs and buttons — touch supported.

Game modes

• Daily: one shared seeded scenario per day
• Practice: fresh scenarios at Easy, Medium or Hard

Tips & strategy

• Attack the highest interest rate first — that's where compounding hurts most, and it's the lowest-interest path overall
• Always pay each debt's minimum drain so a small balance doesn't quietly snowball
• Compare your result to the optimal avalanche figure shown at the end and tighten your routing next run

What you'll learn

Snowball makes compound interest and debt-payoff strategy tangible, showing how balances grow — and shrink — over time.

• Skills: compound interest, debt payoff, personal finance
• Best for: roughly grades 7–12 (ages 12+)
• For parents & teachers: the power of compounding, for saving and for debt.

About Snowball

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.

A free, original browser game on PlayPendium — no download, no install. Browse all games →