Snowball or avalanche?
We'll show the math.
Pick the method that fits your life — we automate the rest. No more negotiating with yourself every paycheck.
The number
$11,800
year-one debt-payoff target the method is engineered around (illustrative)
Everything you need for debt elimination.
Side-by-side method comparison
Snowball (smallest balance first) vs. avalanche (highest APR). Real numbers, your debts.
Payoff date forecast
See your debt-free date update in real time as you make extra payments.
Auto-allocation rules
Every paycheck, the snowflake amount goes to the right card automatically.
APR-reduction playbook
Scripts for negotiating lower rates with your card issuers. Most members get a yes.
Three steps. No fluff.
Step 01
Pull your debts in one place
Cards, loans, BNPL, medical — every balance, every APR.
Step 02
Pick your method
We model both. You pick the one you'll actually stick to.
Step 03
Automate and watch the line drop
Weekly check-ins. Boss Money AI flags wins and tweaks the plan.
Specifics, not slogans.
All six pillars, one membership.
Lock $149 for life. Limited founding seats remaining.
Claim a Founding Seat