Credit card debt can be overwhelming. I built OweCard to make financial freedom simple. It is a completely free calculator that compares Snowball and Avalanche payoff methods side by side. See exactly how much interest you will save and when you will become debt free. No sign up is required, just clear visual charts to help you take control.
Hey Product Hunt π
I am Amit, the creator of OweCard.
Credit card debt can feel overwhelming. People often struggle to decide: should I pay off the smallest balance first for a quick win, or tackle the highest interest rate to save money? Calculating this manually is painful and confusing.
But what if the math was done for you instantly?
That is why I built OweCard. It is a completely free, no account needed calculator that visually compares your payoff options so you can make the smartest financial choice.
Here is what you can do with OweCard:
π³ Add multiple cards
Quickly input your balances, APRs, and minimum payments in one clean dashboard.
βοΈ Compare Snowball vs Avalanche
See a side by side comparison of both methods. Discover exactly how much interest you will save and how many months early you will be debt free.
π Visualize your journey
Clear charts show your principal vs interest breakdown and how your balance declines over time.
π Get a detailed payment schedule
Download or print a month by month breakdown so you know exactly what to pay and when.
OweCard is built for anyone looking to take control of their personal finances, get out of debt faster, and save money on high interest charges.
My goal is simple: less financial stress and smarter debt payoff.
π₯ Watch the demo: https://youtu.be/kGdXelSO25w?si=...
π Try OweCard: https://www.owecard.com/
Thank you to everyone who supports this launch. I am really excited to hear your feedback on the user interface and the charts! π
Amit
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honestly this is super useful, love that it needs no signup. one thing that would actually help me a lot is being able to add a one time extra payment like a bonus or tax refund and see how it changes the payoff date and total interest saved. kind of hard to plan around that right now
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Maker
@bilalalpernujbΒ Thanks Bilal! You are totally right, applying a lump sum like a bonus is a massive accelerator for debt payoff. I have noted this feature request down. So glad you are enjoying the frictionless experience!
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Finally got around to trying this and the side by side snowball vs avalanche comparison is genuinely useful, saved me from guessing which method actually saves more in my case.
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Maker
@kemalcakandg84Β I really appreciate the feedback, Kemal. Guessing is the biggest enemy when tackling debt. Letting the math do the heavy lifting guarantees you are on the most optimal path for your wallet. Wishing you a fast payoff journey!
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honestly this is super useful, love that it needs no signup. one thing that would actually help me a lot is being able to add a one time extra payment like a bonus or tax refund and see how it changes the payoff date and total interest saved. kind of hard to plan around that right now
@bilalalpernujbΒ Thanks Bilal! You are totally right, applying a lump sum like a bonus is a massive accelerator for debt payoff. I have noted this feature request down. So glad you are enjoying the frictionless experience!
Finally got around to trying this and the side by side snowball vs avalanche comparison is genuinely useful, saved me from guessing which method actually saves more in my case.
@kemalcakandg84Β I really appreciate the feedback, Kemal. Guessing is the biggest enemy when tackling debt. Letting the math do the heavy lifting guarantees you are on the most optimal path for your wallet. Wishing you a fast payoff journey!