You don’t need this website to do the snowball.

Paste this into your assistant with your debts filled in — or leave the brackets and answer its questions. You get a sheet with the payoff order, the formulas, and your debt-free date.

I want to get out of debt using the debt snowball method: pay minimums on
everything, put all extra money toward the smallest balance, and when a debt
is paid off, roll its payment into the next smallest.

Help me build a Google Sheets spreadsheet to run this. Here are my debts:

[List each debt: name, current balance, minimum monthly payment, interest
rate (APR). Example: "Visa — $1,850 — $45/mo — 24.9%"]

Extra amount I can put toward debt each month, beyond the minimums: [$X]

Build me:
1. A "Debts" tab listing my debts ordered smallest balance first, with
   columns for balance, minimum payment, and APR.
2. A payoff schedule showing month by month which debt gets the extra
   payment, when each debt hits zero, and my projected debt-free date.
3. A running "snowball" cell that shows my total monthly attack amount
   growing as each debt is paid off.

Give me the exact formulas and tell me cell by cell where to put them, or
generate the sheet content as a table I can paste in. Assume interest
accrues monthly at APR/12. Keep it simple enough that I can maintain it
myself — no scripts or macros.

Then tell me two things straight: my debt-free date, and the one number
that matters most in my situation.

(Prompt from snowballpenguin.app/diy)

Use this whenever you make payments — in the same conversation as the first prompt if you can, so the assistant still has your numbers.

Monthly debt snowball check-in. Here are my current balances:

[List each debt and its balance today. Note anything unusual: a missed
payment, a new debt, a minimum payment that changed.]

Extra I paid toward the target debt this month: [$X]
One-off extra payments (tax refund, sold something, gift money): [$X — or none]

Update my payoff schedule:
1. Recalculate my debt-free date.
2. Tell me if it moved — earlier or later, and by how much.
3. Confirm which debt is the target next month and the exact amount to
   throw at it.
4. If I paid a debt off: tell me plainly, and show my new total monthly
   attack amount with that payment rolled in.

Don't cheerlead. Just tell me where I stand and what the next payment is.

(Prompt from snowballpenguin.app/diy)

The snowball only grows if you feed it. This one goes through a month of spending and hunts for extra.

I'm doing the debt snowball and want to find more money to throw at my
smallest debt. Here's my spending from the last month:

[Paste your transactions — a bank/card statement export is fine, messy is
fine. Or list your recurring bills and rough category totals.]

Go through it and give me:
1. Subscriptions and recurring charges I might have forgotten about, with
   monthly cost.
2. My top 3 categories where spending looks compressible, with a realistic
   (not heroic) monthly number I could cut from each.
3. A single "found money" total per month, and what that does to my
   debt-free date if I add it to my snowball.

Be realistic about what people actually stick to. One sustainable $50 cut
beats three aspirational $100 ones.

(Prompt from snowballpenguin.app/diy)