Frequently Asked Questions

Yes. All your data is encrypted both in transit (as it moves between your device and the cloud) and at rest (while stored) on AWS. Each user can only access their own records, and sign-in is handled by AWS Cognito. Your numbers are yours alone.

Your records live in managed AWS cloud storage, which automatically keeps redundant copies across infrastructure so a single hardware failure can't lose your data. You don't have to do anything — it syncs and backs up in the background.

We never store your card details. All payments are handled by Stripe, which is PCI DSS Level 1 certified — the highest level of payment security. Snow Debt Crusher never sees your full card number.

Snow Debt Crusher uses the debt snowball, which targets the smallest balance first. It builds fast, motivating wins, and each payoff rolls into the next debt. The "avalanche" method (highest rate first) saves a little more money on paper, but the snowball is the one most people actually finish. See the Snowball Plan guide.

The app flags your smallest active balance as the TARGET. Pay the minimums on everything else and throw all your extra at the target. When it's gone, the next smallest becomes the target automatically.

Update your balances in My Debts, then click Record Monthly Snapshot in Settings at the end of each month. Each snapshot adds a point to your "Debt Over Time" chart.

Free — up to 3 debt accounts, the core snowball plan, and cloud-synced storage. Grinder ($4.99/mo) — up to 10 accounts, plus the target date planner, income-vs-debt analysis, full NY-style coaching, payoff milestones, and CSV export. Boss ($7.99/mo) — unlimited accounts, everything in Grinder, custom debt categories, advanced analytics, and priority email support. Full details on Billing & Plans.

You're charged immediately when you upgrade. After that, Stripe bills you on the same date each month until you cancel.

Yes. Cancel anytime from the Billing page and you drop back to the Free plan while keeping all your data. If you have more than 3 accounts, the extras are hidden (never deleted) and return when you upgrade again.

All major credit and debit cards via Stripe — Visa, Mastercard, American Express, and Discover.

Because accountability works. When your debt drops, you get a celebration. When it climbs, you get a mad emoji and a wake-up call. When you pay off an account, you get told to go enjoy a nice meal — cash only. It's all in good fun, and it's there to keep you honest and on track, New York style. 🗽

You can switch the interface between English, Spanish, French, and Portuguese in Settings. The coaching is part of the experience, but the intensity of the messaging scales with your plan — basic accountability on Free, full coaching on Grinder and up.

On the Sign In screen, click Forgot password? We'll email you a reset code so you can set a new password.

The chart needs monthly snapshots to plot. Record at least a couple of snapshots (one per month) from Settings, and the "Debt Over Time" line will start to fill in.

You've likely hit your plan's account limit — 3 on Free, 10 on Grinder. Upgrade on Billing & Plans to add more.

They're not gone — they're hidden. Dropping to Free limits you to 3 accounts, so extras are tucked away (never deleted). Upgrade again and they return exactly as you left them.