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//// Personal Finance · Debt Payoff

Debt Payoff Calculator

Snowball or avalanche? Enter your debts and see both strategies side by side — total interest paid, months to freedom, and the order every debt falls.

Total debt
$34.7K
across 3 debts
Monthly budget
$780/mo
$580 mins + $200 extra
Snowball — done in
4 yr 4 mo
August 2030
Avalanche — done in
4 yr 4 mo
August 2030

Avalanche saves $0 compared to Snowball

Avalanche (highest rate first) minimizes total interest. Snowball (smallest balance first) gives faster early wins — valuable if motivation is your challenge.

Your debts

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%
$
$
%
$
$
%
$

Snowball

Smallest balance first

Months to debt-free4 yr 4 mo
Total interest paid$5,328
Debt-free dateAugust 2030

Payoff order

  1. 1Credit Cardmo 17
  2. 2Car Loanmo 33
  3. 3Student Loanmo 52

Avalanche

Highest rate first

Saves more
Months to debt-free4 yr 4 mo
Total interest paid$5,328
Debt-free dateAugust 2030

Payoff order

  1. 1Credit Cardmo 17
  2. 2Car Loanmo 33
  3. 3Student Loanmo 52

Debt payoff timeline

$0$7.1K$14.2K$21.2K$28.3K$35.4K01224364852monthsSnowballAvalanche

Numbers never leave your browser · Not financial advice

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