Pennies into Dreams

Unlock your Snowball Tracker

This tool is for customers who bought the Snowball Tracker. Paste the license key from your Gumroad receipt — we check it once, and then this device remembers you.

License key

Where’s my key? Gumroad emails it with your receipt, and it’s also saved in your Gumroad Library.

Note for this copy: key checking isn’t connected yet, so the preview is the way in for now.

Pennies into Dreams

Your money tools

Pick a tool and we’ll walk through it together — one simple question at a time, with a big Next button on every screen. No tiny spreadsheet boxes to hunt for.

Snowball Tracker

List your debts smallest to largest, then throw every spare dollar at the little one first. Small wins build momentum.

Ready to use

Budget Snapshot

See where your money goes each month, in one plain picture.

Coming in the full version

Savings Goal

Pick a goal, pick a date, and watch the plan add up week by week.

Coming in the full version

Your numbers stay on this device — saved on this phone or computer only, and never sent anywhere.

Question 1 of 4

What’s this debt called?

$ %

Your debts

Tap any debt to fix a number. When the list looks right, we’ll build your payoff plan.

No debts on your list yet.
Tap the button below and we’ll add your first one together, one question at a time.

Total owed

Minimums / month

One last question

How much extra can you put toward debt each month?

This is on top of all your minimum payments. Even $5 or $10 speeds things up — and $0 is a fine answer too. We’ll show you both plans so you can see the difference.

Your payoff plan

Smallest debt first. Every time one is gone, its payment rolls into the next one — that’s the snowball growing.

You could be debt-free by

—

Months sooner

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Interest saved

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Your payoff order

How to work this plan

Pay the minimum on everything, every month. Then take every extra dollar you can find and throw it at debt #1 until it’s gone. When it is, roll that whole payment into #2. Same minimums, same budget — the wins just start stacking up.