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vertex 42s debt reduction calculator makes it easy to learn how to save the most money and pay off your debts as quickly as possible to use it first youll insert the date that youll start making payments then you can clear out the sample data weve included and start putting in the information that you have youll put in your creditors name the balance that youre charged the rate you need to pay and the minimum monthly payments you can do this for up to ten different creditors and then youll see that the payment column totals up how much you have to make ing to your minimum monthly payments the next step is to look at your budget and figure out how much you can afford to pay toward your debt youll enter that value here in the monthly payment cell the difference between how much you can pay and how much you have to pay will be your initial snowball this is the extra payment that will be applied to the first debt the snowball about local ro as you pay off each debt your budget will