stevenpineda.com
Kill it.
One at
a time.
The debt snowball method, visualized. Stack your debts smallest to largest, attack the first one, roll each freed payment into the next. Watch the ball grow.
Simple.
Powerful.
Effective.
Ezo automatically sorts your debts smallest-to-largest and builds the optimal attack order using proven debt snowball logic.
When a debt clears, its minimum payment automatically stacks onto the next target. Your attack power grows with every win.
Watch your snowball grow in real time. Each debt you clear makes the ball bigger and your momentum more visible.
Every cleared debt triggers a celebration with confetti and your next target queued up. Small wins deserve big moments.
Not ready to enter your real numbers? Load the demo data and see exactly how the snowball method works in practice.
Your debt data lives in your browser. Close the tab, reopen it — everything is exactly where you left it. No accounts needed.
Three steps.
One direction.
Freedom.
Enter each debt — name, balance, interest rate, minimum payment. Ezo handles the rest. No spreadsheet required.
Ezo ranks them automatically. Pay minimums on everything else, throw every extra dollar at the smallest balance. Kill it fast.
When it clears, add its minimum to the next target. Your attack payment grows with every debt you eliminate. Snowball effect.
Momentum beats math.
The avalanche method (highest interest first) saves more money on paper. But the snowball method wins because it gives you quick wins that build the psychological momentum to keep going. Ezo is built on that principle.
Start
rolling.
Add your first debt. Watch the ball form. Feel the momentum build.
Works in any modern browser · No signup