Calculator
Debt payoffcalculator
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.
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Results
Zero Debt is not regulated by the Financial Conduct Authority (FCA). Calculators and planning tools provide educational information and estimates only; they are not financial advice.
Add your debts and run the calculator.
How the debt payoff calculator works
Snowball vs Avalanche — two proven strategies
The snowball method pays off your smallest balance first, giving you quick wins that build momentum. The avalanche method targets the highest interest rate first, saving you the most money over time. Both strategies work — the best one is the one you will stick with.
- Snowball: Best for motivation. Clear small debts fast, then roll those payments into the next one.
- Avalanche: Best for maths. Minimises total interest by attacking expensive debt first.
How extra payments change your timeline
Extra payments can shorten the estimated payoff timeline and reduce interest. Test a small increase in the calculator to see how the change affects your own figures.
What the results tell you
After running the calculator, you will see your estimated debt-free date, total interest paid, and a month-by-month breakdown. Compare the two strategies side by side to decide which approach fits your situation.