Debt Snowball & Avalanche Calculator

Enter your debts, choose a payoff strategy, and see exactly how long it takes and how much interest you'll save.

Your Debts

NameBalance ($)Min. Payment ($)Interest Rate (%)

Strategy & Extra Payment

$

Applied to target debt after minimums.

📊 Results
Total Payoff Time
All debts paid off
Total Interest Paid
Across all debts
Total Amount Paid
Principal + interest
Interest Saved vs. Min Only
By paying extra

Payoff Order

Total Debt Balance Over Time

* Minimums applied to all debts each month; extra payment applied to target debt. Simulation caps at 600 months.