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Debt Payoff Calculator

Compare the Snowball vs Avalanche method and find the fastest, cheapest path to becoming debt-free.

Your Debts

Amount above minimum payments to accelerate payoff

⛰️

avalanche Method

Pay highest interest first — saves the most money

3y 4mo
Time to Debt-Free
$11,735
Total Interest Paid
💰 Saves $183 vs Snowball
❄️

snowball Method

Pay smallest balance first — builds momentum

3y 5mo
Time to Debt-Free
$11,918
Total Interest Paid

Payoff Order (⛰️ Avalanche)

1Credit Card A
2Credit Card B
3Personal Loan

Total debt: $15,500 | Debt-free in: 3y 4mo | Interest paid: $11,735

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