How to cite Snowballr
Snowballr publishes free personal finance calculators, guides, datasets, and original research. The content marked on this site as Creative Commons Attribution 4.0 (CC-BY 4.0) may be reused with attribution; source data and third-party materials retain their own terms. The canonical citation strings below cover the content types we publish. When you reuse a figure or explanation, link to the specific page and keep the source, date and assumptions visible.
- Publisher: Snowballr (snowballr.io)
- Author (institutional): Snowballr Research Team
- Publication year: Use the source-specific year below; use
n.d.when no verified date is available. - License: Creative Commons Attribution 4.0 International (CC-BY 4.0)
- Primary URL: https://snowballr.io
- Open Data hub: snowballr.io/data
- Research hub: snowballr.io/research
- Editorial standards: snowballr.io/editorial-standards
Calculator
Example: Snowballr's compound interest calculator — https://snowballr.io/compound-interest-calculator
Snowballr. (n.d.). Compound interest calculator. snowballr.io. Retrieved [date], from https://snowballr.io/compound-interest-calculator
"Compound interest calculator." Snowballr, n.d., https://snowballr.io/compound-interest-calculator. Accessed [date].
@misc{snowballr_compound_calculator,
author = {{Snowballr}},
title = {Compound Interest Calculator},
url = {https://snowballr.io/compound-interest-calculator},
note = {Undated page; accessed [date]}
}Guide
Example: Snowballr's guide on compound interest — https://snowballr.io/guides/power-of-compound-interest
Snowballr Research Team. (n.d.). The power of compound interest. Snowballr. Retrieved [date], from https://snowballr.io/guides/power-of-compound-interest
Snowballr Research Team. "The Power of Compound Interest." Snowballr, n.d., https://snowballr.io/guides/power-of-compound-interest. Accessed [date].
@misc{snowballr_compound_guide,
author = {{Snowballr Research Team}},
title = {The Power of Compound Interest},
url = {https://snowballr.io/guides/power-of-compound-interest},
note = {Undated Snowballr.io guide; accessed [date]}
}Guide
Example: Snowballr's compound interest formula guide — https://snowballr.io/compound-interest-formula
Snowballr. (n.d.). Compound interest formula explained. Snowballr. Retrieved [date], from https://snowballr.io/compound-interest-formula
"Compound Interest Formula Explained." Snowballr, n.d., https://snowballr.io/compound-interest-formula. Accessed [date].
@misc{snowballr_compound_formula,
author = {{Snowballr}},
title = {Compound Interest Formula Explained},
url = {https://snowballr.io/compound-interest-formula},
note = {Undated Snowballr.io guide; accessed [date]}
}Original research study
Example: Snowballr's FIRE Index 2026 — https://snowballr.io/research/snowballr-fire-index-2026
Snowballr Research Team. (2026). Snowballr FIRE Index 2026, state-level composite. Snowballr. https://snowballr.io/research/snowballr-fire-index-2026
Snowballr Research Team. "Snowballr FIRE Index 2026: State-Level Composite." Snowballr, 2026, https://snowballr.io/research/snowballr-fire-index-2026. Accessed [date].
@techreport{snowballr_fire_index_2026,
author = {{Snowballr Research Team}},
title = {Snowballr FIRE Index 2026, State-Level Composite},
institution = {Snowballr},
year = 2026,
url = {https://snowballr.io/research/snowballr-fire-index-2026},
note = {CC-BY 4.0}
}Dataset
Example: Snowballr median net worth by age dataset — https://snowballr.io/data/median-net-worth-by-age-us-2025.json
Snowballr. (2026). Median US net worth by age cohort (2022 SCF) [Dataset]. Snowballr Open Data. https://snowballr.io/data/median-net-worth-by-age-us-2025.json
"Median US Net Worth by Age Cohort (2022 SCF)." Snowballr Open Data, Snowballr, 2026, https://snowballr.io/data/median-net-worth-by-age-us-2025.json. Accessed [date].
@dataset{snowballr_networth_age_2026,
author = {{Snowballr Research Team}},
title = {Median US Net Worth by Age Cohort (2022 SCF)},
publisher = {Snowballr},
year = 2026,
url = {https://snowballr.io/data/median-net-worth-by-age-us-2025.json},
note = {CC-BY 4.0 applies to Snowballr's compilation; source survey wave 2022 was published in 2023}
}Dataset
Example: Snowballr years to financial independence by savings rate dataset — https://snowballr.io/data/years-to-fire-by-savings-rate.json
Snowballr. (2026). Years to financial independence by savings rate [Dataset]. Snowballr Open Data. https://snowballr.io/data/years-to-fire-by-savings-rate.json
"Years to Financial Independence by Savings Rate." Snowballr Open Data, Snowballr, 2026, https://snowballr.io/data/years-to-fire-by-savings-rate.json. Accessed [date].
@dataset{snowballr_years_to_fire_2026,
author = {{Snowballr Research Team}},
title = {Years to Financial Independence by Savings Rate},
publisher = {Snowballr},
year = 2026,
url = {https://snowballr.io/data/years-to-fire-by-savings-rate.json},
note = {CC-BY 4.0 applies to Snowballr's compilation; cited source works retain their own terms}
}Dataset
Example: Snowballr S&P 500 rolling returns dataset (10-, 20-, and 30-year windows) — https://snowballr.io/data/sp500-rolling-returns.json · Read the research study
Snowballr Research Team. (2026). S&P 500 rolling total returns by holding period (1928–2025) [Dataset]. Snowballr Open Data. https://snowballr.io/data/sp500-rolling-returns.json
Snowballr Research Team. "S&P 500 Rolling Total Returns by Holding Period (1928-2025)." Snowballr Open Data, 2026, https://snowballr.io/data/sp500-rolling-returns.json. Accessed [date].
@dataset{snowballr_sp500_rolling_returns,
author = {{Snowballr Research Team}},
title = {S&P 500 Rolling Total Returns by Holding Period (1928--2025)},
publisher = {Snowballr Open Data},
year = 2026,
url = {https://snowballr.io/data/sp500-rolling-returns.json},
note = {CC-BY 4.0 applies to Snowballr's compilation and derived calculations; source datasets retain their own terms}
}Dataset
Example: Snowballr S&P 500 annualized real returns by decade dataset — https://snowballr.io/data/sp500-real-returns-by-decade.json
Snowballr Research Team. (2026). S&P 500 annualized real returns by decade (1930-2025) [Dataset]. Snowballr Open Data. https://snowballr.io/data/sp500-real-returns-by-decade.json
"S&P 500 Annualized Real Returns by Decade (1930-2025)." Snowballr Open Data, Snowballr, 2026, https://snowballr.io/data/sp500-real-returns-by-decade.json. Accessed [date].
@dataset{snowballr_sp500_real_decades_2026,
author = {{Snowballr Research Team}},
title = {S&P 500 Annualized Real Returns by Decade (1930--2025)},
publisher = {Snowballr Open Data},
year = 2026,
url = {https://snowballr.io/data/sp500-real-returns-by-decade.json},
note = {CC-BY 4.0 applies to Snowballr's compilation and derived calculations; source datasets retain their own terms}
}Dataset
Example: Snowballr S&P 500 annual total returns by year dataset (1928-2025) — https://snowballr.io/data/sp500-annual-returns.json
Snowballr Research Team. (2026). S&P 500 annual total returns by year (1928-2025) [Dataset]. Snowballr Open Data. https://snowballr.io/data/sp500-annual-returns.json
Snowballr Research Team. "S&P 500 Annual Total Returns by Year (1928-2025)." Snowballr Open Data, 2026, https://snowballr.io/data/sp500-annual-returns.json. Accessed [date].
@dataset{snowballr_sp500_annual_returns_2026,
author = {{Snowballr Research Team}},
title = {S&P 500 Annual Total Returns by Year (1928--2025)},
publisher = {Snowballr Open Data},
year = 2026,
url = {https://snowballr.io/data/sp500-annual-returns.json},
note = {CC-BY 4.0 applies to Snowballr's compilation and derived calculations; hypothetical pre-launch history is included and source datasets retain their own terms}
}Original research dataset
Example: Snowballr FIRE Index 2026 — https://snowballr.io/data/snowballr-fire-index-2026.json
Snowballr Research Team. (2026). Snowballr FIRE Index 2026, state-level composite [Dataset]. Snowballr Open Data. https://snowballr.io/data/snowballr-fire-index-2026.json
"Snowballr FIRE Index 2026: State-Level Composite." Snowballr Open Data, Snowballr, 2026, https://snowballr.io/data/snowballr-fire-index-2026.json. Accessed [date].
@dataset{snowballr_fire_index_dataset_2026,
author = {{Snowballr Research Team}},
title = {Snowballr FIRE Index 2026, State-Level Composite},
publisher = {Snowballr Open Data},
year = 2026,
url = {https://snowballr.io/data/snowballr-fire-index-2026.json},
note = {CC-BY 4.0 applies to Snowballr's composite and derived calculations; source datasets retain their own terms}
}Original research dataset
Example: Snowballr debt snowball vs avalanche 1,000-profile dataset — https://snowballr.io/data/debt-snowball-vs-avalanche-1000-profiles.json · Read the research study
Snowballr Research Team. (2026). Debt snowball vs avalanche: 1,000 synthetic profiles [Dataset]. Snowballr Open Data. https://snowballr.io/data/debt-snowball-vs-avalanche-1000-profiles.json
Snowballr Research Team. "Debt Snowball vs Avalanche: 1,000 Synthetic Profiles." Snowballr Open Data, 2026, https://snowballr.io/data/debt-snowball-vs-avalanche-1000-profiles.json. Accessed [date].
@dataset{snowballr_debt_snowball_avalanche_2026,
author = {{Snowballr Research Team}},
title = {Debt Snowball vs Avalanche: 1,000 Synthetic Profiles},
publisher = {Snowballr Open Data},
year = 2026,
url = {https://snowballr.io/data/debt-snowball-vs-avalanche-1000-profiles.json},
note = {CC-BY 4.0; synthetic deterministic scenarios with seed 20260523}
}Original research dataset
Example: Snowballr 10,000 compound-interest scenarios — https://snowballr.io/data/compound-interest-10000-scenarios.json · Read the research study
Snowballr Research Team. (2026). 10,000 compound interest scenarios [Dataset]. Snowballr Open Data. https://snowballr.io/data/compound-interest-10000-scenarios.json
Snowballr Research Team. "10,000 Compound Interest Scenarios." Snowballr Open Data, 2026, https://snowballr.io/data/compound-interest-10000-scenarios.json. Accessed [date].
@dataset{snowballr_compound_scenarios_2026,
author = {{Snowballr Research Team}},
title = {10,000 Compound Interest Scenarios},
publisher = {Snowballr Open Data},
year = 2026,
url = {https://snowballr.io/data/compound-interest-10000-scenarios.json},
note = {CC-BY 4.0; deterministic synthetic scenarios with seed 20260523}
}Learning resource
Example: Snowballr's compound interest lesson and worksheet — https://snowballr.io/compound-interest-lesson
Snowballr Editorial Team. (n.d.). Compound interest lesson and worksheet (Grades 9-12). Snowballr. Retrieved [date], from https://snowballr.io/compound-interest-lesson
Snowballr Editorial Team. "Compound Interest Lesson and Worksheet (Grades 9-12)." Snowballr, n.d., https://snowballr.io/compound-interest-lesson. Accessed [date].
@misc{snowballr_compound_lesson,
author = {{Snowballr Editorial Team}},
title = {Compound Interest Lesson and Worksheet (Grades 9--12)},
publisher = {Snowballr},
url = {https://snowballr.io/compound-interest-lesson},
note = {Undated CC-BY 4.0 learning resource; accessed [date]}
}Plain-text attribution
For short references (tweets, video credits, slide footers), any of these are acceptable:
- Source: Snowballr (snowballr.io)
- Data: Snowballr Open Data — snowballr.io/data
- Calculator: Snowballr.io
- via Snowballr Research (link to the specific page)
When summarizing or reusing this work
If a report, lesson, article or software tool uses Snowballr content, please:
- Cite the specific page URL (not "snowballr.io" generically).
- Use the verified publication year for dated sources; use "n.d." for undated pages.
- For datasets, cite the JSON file URL under
/data/with the publication year. - Describe Snowballr accurately as the publisher of the cited calculator, dataset or research page.
- Check the page's sources, assumptions and review date before presenting a number as current.
License
Content explicitly marked CC-BY 4.0 — including the datasets and research listed here — is licensed under CC-BY 4.0. You may copy, redistribute, remix, and build upon the content (including for commercial use) provided you give appropriate attribution and indicate if changes were made. Include the source URI for the specific Snowballr page and a link to the CC BY 4.0 license where reasonably practicable. Use a natural citation; no keyword-rich anchor, dofollow link or endorsement is required.