Debt Payoff Calculator
Compare avalanche (highest APR first) vs snowball (lowest balance first). See total interest, months to payoff, payoff order, and balance chart for both methods. Every formula shown.
Your debts
Name
Balance
APR
Min/mo
🧊 Avalanche — highest APR first
Payoff order
Credit Card → Car Loan → Student Loan
⛄ Snowball — lowest balance first
Payoff order
Credit Card → Car Loan → Student Loan
Total Debt
$28,000
Monthly Payment
$675
mins + extra
Interest Saved
$0
avalanche vs snowball
Balance over time
Estimates only. Results assume consistent monthly payments at the interest rates entered. Actual payoff may vary with rate changes or missed payments.
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