Free calculator

Debt Payoff Calculator

Compare snowball vs. avalanche methods and see exactly when you'll be debt-free.

Your Debts

$
%
$
$
%
$

Extra Monthly Payment

How much extra can you pay beyond minimums?

$
Total monthly$460
Total Debt

$13,000

Debt Free In

3y 3m

Compare Methods

Recommended

Avalanche

Highest interest first — saves the most money

Time to zero

3y 3m

Total interest

$4,675

Snowball

Smallest balance first — quick wins for motivation

Time to zero

3y 3m

Total interest

$4,675

Avalanche Payoff Order

Focus your extra payments in this order:

1
Credit Card 122.99% APR
2
Credit Card 218.99% APR

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This calculator provides estimates for educational purposes. Actual results may vary.