Debt Snowball & Avalanche Calculator

Snowball and avalanche

Enter each debt’s balance, APR, and minimum monthly payment. Choose snowball (smallest balance first) or avalanche (highest APR first). Add an optional extra monthly payment on top of all minimums.

Payoff strategy

Extra monthly payment (optional)

Months to debt-free —

Total interest paid —

Payoff order —

Each month: interest accrues on remaining balances, minimum payments are applied to every debt, then any extra payment goes to the priority debt (and rolls to the next in line if one is cleared in the same month).

Debt Payoff

Snowball and avalanche