Debt Payoff Calculator

Compare Snowball vs Avalanche, visualize your payoff timeline, and understand where your money goes.

Your Debts

Total amount you can allocate to debt payments each month
Name Balance APR (%) Remove
Enter each debt's current balance and APR. Minimum payments are not used in this calculator.
Payoff Schedule
Monthly totals for your payoff plan
Estimated payoff date: —

Payoff Analysis

Timeline, costs, and balance trajectory based on your inputs

Debt Balance Distribution
Total Debt
$0
Sum of balances
Monthly Payment
$0
For debt payments
Payoff Time
—
Estimated months
Total Interest
$0
Over the plan
Debt Balance Over Time
⚖️ Snowball vs Avalanche Comparison
Avalanche saves more interest, Snowball provides psychological wins.
Snowball Method
—
$0 interest
Avalanche Method
—
$0 interest
Calculate to see which method saves you more money.