Debt Payoff Calculator
Enter your real debts below. See exactly how many months to debt-free, and how much total interest you'd pay, under the snowball method versus the avalanche method. All calculated live in your browser, nothing is sent anywhere. Background on both strategies is in our full comparison post.
Debt name
Balance ($)
APR (%)
Min payment ($)
Enter a balance, APR, and minimum payment greater than zero for each debt.
Your Results
Snowball (smallest balance first)
Debt-free in
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Total interest paid
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Avalanche (highest APR first)
Debt-free in
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Total interest paid
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How this works: both strategies pay the same total monthly budget (your minimums plus your extra payment), the only difference is which debt gets the extra money first. Avalanche always saves the same or more in total interest, because it targets your highest interest rate first. Snowball can sometimes finish a specific small debt sooner for a motivation boost, but rarely wins on total interest once APRs differ much. This is a simplified simulation (fixed APR, no fees, no new charges added) for illustration, not financial advice.