Debt Payoff Calculator – Snowball vs Avalanche

Enter your debts and compare Snowball (lowest balance first) vs Avalanche (highest APR first). See debt-free date, total interest, and which strategy saves more.

Debts
Name Balance APR (%) Min Payment
Strategy & Extra Payment
Both strategies roll freed minimums into the next target as each debt is paid off.
Tips:
  • Snowball builds momentum by clearing small balances first.
  • Avalanche minimizes interest by targeting highest APR first.
  • Adjust extra payment to see impact on debt-free date and interest saved.
Summary
Debt-free Months (Snowball)
—
Total interest: —
Debt-free Months (Avalanche)
—
Total interest: —
Recommendation
—
Assumes fixed APRs and on-time payments. This is an estimate.
Remaining Balance Over Time

Year-wise Breakdown

Year Remaining (Snowball) Remaining (Avalanche) Cumulative Interest (Snowball) Cumulative Interest (Avalanche)

Support This Free Tool

Every coffee helps keep the servers running. Every book sale funds the next tool I'm dreaming up. You're not just supporting a site — you're helping me build what developers actually need.

500K+ users
200+ tools
100% private
☕ One-time support Buy me a coffee 📚 Learn & support 9-Book Bundle - $9 Stay updated Follow @anish2good
Privacy Guarantee: Private keys you enter or generate are never stored on our servers. All tools are served over HTTPS.
Quick Access