⛓️💥
Debt Payoff Calculator
Compare snowball vs avalanche payoff for up to 3 debts.
Enter your details
Results
Months to Debt-Free (Avalanche)
—
Total Interest (Avalanche)
—
Payoff Order
—
How to use the Debt Payoff Calculator
List up to three debts with their APRs, plus any extra you can pay monthly. We use the avalanche method (highest rate first) to minimize interest.
Frequently Asked Questions
Avalanche (highest rate first) always costs less in interest. Snowball (smallest balance first) gives faster wins that help some people stay motivated.
Every extra dollar goes straight to principal. Even $100/month can cut years off a payoff plan.