Debt Payoff Calculator
Compare Snowball vs Avalanche strategies and find out exactly when you'll be debt-free.
📝 Your Debts
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💪 Extra Payment Power
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This extra amount goes toward your target debt each month.
⛷️ Snowball
Smallest FirstDebt-Free Date
Total Interest Paid
Months to Payoff
Best for: Motivation & quick wins
🏔️ Avalanche
Highest Rate FirstDebt-Free Date
Total Interest Paid
Months to Payoff
Best for: Saving the most money
🏆
Avalanche Saves You
That's money staying in YOUR pocket instead of going to interest.
Debt Payoff Timeline
⛷️ Snowball Order
🏔️ Avalanche Order
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Get the Debt Playbook →How These Strategies Work
⛷️
The Snowball Method
Pay off debts from smallest balance to largest, regardless of interest rate.
- Quick wins build momentum and motivation
- Fewer accounts to manage faster
- May pay more interest overall
🏔️
The Avalanche Method
Pay off debts from highest interest rate to lowest, regardless of balance.
- Mathematically optimal - saves the most money
- Pay less interest over time
- May take longer to pay off first debt