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Debt payoff calculator

Compare snowball and avalanche in one place, then see how your payoff date, monthly progress, and interest change.

Add your debts, choose an extra monthly payment, and compare snowball against avalanche to see which strategy saves more time and interest.

Use the same numbers in both modes so you can compare the payoff date, monthly progress, and total interest side by side.

Snowball builds momentum Avalanche cuts interest Same inputs, clearer comparison
Save your payoff plan, keep your debt list, and continue later with a free account.
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Debt Inputs

Add your debts below. Use one row per account.

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Strategy:

? Snowball pays smallest balances first for faster early wins.

Results

Add your debts and run the calculator.