Debt Payoff Calculator

Enter all your debts and compare the avalanche method (highest interest first) against the snowball method (smallest balance first) to find the right strategy for you.

Your debts

Balance ($)

APR (%)Min payment ($)

Balance ($)

APR (%)Min payment ($)

Extra payments

Recurring extra ($/month)

One-time extra ($)

Apply one-time in monthMonth 1 = first payment

Saved to this browser — up to 5 scenarios.

Avalanche vs Snowball?

Avalanche: Highest APR first. Snowball: Smallest balance first.

Debt-free by

January 2028

20 months using Avalanche method

$7,000.00 total$0

Start making payments to watch this fill up

Total debt over time

Results

Avalanche

20 months

Interest: $967.76

Debt 1 → Debt 2

Snowball

20 months

Interest: $1,086.57

Debt 2 → Debt 1

✓ Avalanche saves $118.81 in interest

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