Trying to pay off multiple debts at once? You’re probably tired of making payments that barely move the needle. The debt snowball method is one of the easiest ways to get ahead—but it only works if you stick with it.

That’s why Changed automates the whole thing. No spreadsheets, no mental math, no forgetting.

Here’s exactly how it works.

Step 1: Add Your Debts

List all your debts—credit cards, auto loans, student loans, anything you’re working on.

Changed organizes them from smallest to largest balance, so you don’t have to guess where to start. No interest rate math. Just a clear plan.

✅ Pro tip: The smaller the debt, the quicker the win—and that momentum is key.

👉 Try our free Debt Payoff Calculator to see when you could be debt-free using this method.

Step 2: Keep Paying the Minimums

Changed doesn’t replace your payments. You keep doing your thing—making minimum payments like normal.

Our job? Adding extra payments on top, so you pay off faster and save on interest.

Missing minimum payments = late fees.
Making extra payments = early wins.

You stay in control. We speed things up.

Step 3: Automate Extra Payments with Round-Ups

Round-Ups are where your everyday spending starts working for you.

Here’s how it works:

• Spend $4.25 on candy → Changed rounds it up to $5 → $0.75 goes toward your smallest debt.
• Most members save $25–$100/month without even noticing. It’s passive, consistent, and doesn’t require budgeting.

Set it and forget it. Round-Ups make debt payoff effortless.

Step 4: Add Boosts (One-Time or Scheduled)

Boosts are extra payments you send toward your debt—on your terms.

You can:

• Schedule Boosts (like $25 every week, or $50 on payday), or
• Send a one-time Boost whenever you have a little extra
  
  

Whether you’re feeling motivated after payday or got a surprise refund—Boosts let you throw extra at your debt when it makes sense for you.

One-time Boost = instant progress
Scheduled Boost = long-term momentum

You’re still in control—but you don’t have to remember every month.

Step 5: Roll It Over 

Once your smallest balance is paid off, take that same payment amount and apply it to your next smallest debt. No need to rethink your plan, we show you what's next so you can keep your snowball rolling! 

Why This Works

Most people give up on the snowball method because life gets in the way. They forget to make extra payments, get too busy to keep up, or lose motivation before they see real progress.

Changed takes care of that. It automates the process, keeps your debt payoff plan moving consistently, and makes progress even when you forget. No stress. No micromanaging. Just results.

Ready to Make It Automatic?

If you’re done trying to “stay on top of it” and just want your debt to go down automatically, Changed is the easiest way to do it.