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Know exactly when you will be debt-free.
SnowballPay is a personal debt payoff planner that turns scattered balances,
minimum payments, interest rates, and monthly cash flow into a clear plan users
can actually follow. Add debts, choose a payoff strategy, see the projected
debt-free date, and keep momentum with progress tracking, reminders, milestones,
and personalized planning insights.
It is built for people who are tired of spreadsheets, minimum-payment autopilot,
and the recurring question: "Which debt should I pay first?"
SnowballPay gives users a debt payoff command center:查看完整 README ↗Know exactly when you will be debt-free.
SnowballPay is a personal debt payoff planner that turns scattered balances, minimum payments, interest rates, and monthly cash flow into a clear plan users can actually follow. Add debts, choose a payoff strategy, see the projected debt-free date, and keep momentum with progress tracking, reminders, milestones, and personalized planning insights.
It is built for people who are tired of spreadsheets, minimum-payment autopilot, and the recurring question: "Which debt should I pay first?"
SnowballPay gives users a debt payoff command center:
Debt payoff is not just math. It is staying consistent long enough for the math to work.
SnowballPay combines payoff calculations with execution support so users know:
Users add debt balances, APRs, minimum payments, due dates, income, and recurring expenses. SnowballPay calculates available payoff cash flow and generates a personalized payoff roadmap.
Users can switch between:
The dashboard updates the payoff order, charts, debt-free date, interest impact, and focus debt as the strategy changes.
Users log payments and update balances over time. SnowballPay shows total paid, remaining debt, debts closed, tracking streaks, balance trends, and payoff milestones.
The app supports due-date reminders, weekly progress emails, monthly reviews, win-back emails, payoff plan emails, and personalized recommendations to help users keep returning to the plan.
Pro users can generate personalized recommendations, including:
SnowballPay can analyze uploaded statement, debt, and income documents to help extract debts, recurring charges, and income inputs for review before saving.
The current product surface supports a freemium model:
Key user-facing routes include:
/ - product landing page/dashboard - authenticated payoff command center/onboarding - guided setup flow/calculator - public debt payoff calculator/learn - educational content/contact - support contact flow/privacy and /terms - legal pagesnpm install
Copy the sample environment file and fill in the values you need:
cp .env.example .env.local
Core variables:
DATABASE_URL="postgresql://..."
DIRECT_URL="postgresql://..."
AUTH0_DOMAIN="your-tenant.us.auth0.com"
AUTH0_CLIENT_ID="your_client_id"
AUTH0_CLIENT_SECRET="your_client_secret"
AUTH0_SECRET="replace_with_64_char_random_hex"
APP_BASE_URL="http://localhost:3000"
NEXT_PUBLIC_APP_URL="http://localhost:3000"
Optional integrations are documented in .env.example:
npm run db:push
Useful Prisma commands:
npm run db:migrate
npm run db:studio
npm run dev
Open http://localhost:3000.
This project includes scripts for switching Neon branches:
npm run db:use:dev
npm run db:use:prod
Recommended flow:
development branch locally.npm run db:push.production branch.For stricter release control, prefer Prisma migrations over repeated direct schema pushes.
npm run dev # Start the Next.js dev server
npm run build # Generate Prisma client and build Next.js
npm run start # Start the production build
npm run lint # Run Next.js linting
npm run test # Run Vitest
npm run test:watch # Run Vitest in watch mode
npm run test:coverage # Run coverage
npm run db:push # Push Prisma schema to the database
npm run db:migrate # Create/apply a local Prisma migration
npm run db:studio # Open Prisma Studio
src/
app/ Next.js App Router pages and API routes
components/ Landing, dashboard, payoff, billing, document, and UI components
emails/ React Email templates for lifecycle messaging
lib/ Auth, Prisma, Stripe, analytics, AI, calculations, utilities
types/ Shared TypeScript types
__tests__/ Vitest suites
prisma/
schema.prisma PostgreSQL data model
docs/
architecture/ Architecture notes
marketing/ Growth and positioning docs
product/ Product requirements
security/ Security and Auth0 setup notes
public/ Logos, icons, favicon, llms.txt
scripts/ Neon branch utility scripts
The Prisma schema includes models for:
The app includes API routes for:
Run the test suite:
npm run test
Coverage:
npm run test:coverage
Note: the current Vitest include pattern targets src/__tests__/**/*.test.ts.
Some colocated tests under feature folders may need config updates if they should
run as part of the default suite.
Vercel is the expected deployment target. Before deploying, configure production environment variables for:
Cron jobs are configured in vercel.json for lifecycle emails, weekly progress,
monthly reviews, win-back, weekly digest, and due-date reminders.
QUICKSTART.md - local setup pathSETUP_GUIDE.md - environment and service setupDEPLOYMENT.md - production deployment notesDESIGN.md - product design guidancedocs/architecture/ARCHITECTURE.md - system architecturedocs/security/AUTH0_GOOGLE_CONNECTION_CHECKLIST.md - Google social login setupSnowballPay provides debt payoff planning tools and educational projections. It does not provide financial advice, debt settlement, legal advice, or guaranteed results. Users should review their own financial situation and consult qualified professionals when needed.