Debt Payoff Calculator
Snowball vs Avalanche — find the fastest and cheapest route to debt freedom.
Your debts
Monthly budget
$
$
Rolled to the focus debt on top of minimums
Payoff strategy
Total Interest
—
at current strategy
Debt-Free In
—
—
Total Paid
—
—
Strategy comparison
❄️ Snowball
Total Interest
—
Payoff Time
—
Motivation
Quick wins — small debts clear fast
🏔️ Avalanche
Total Interest
—
Payoff Time
—
Motivation
Mathematically optimal — saves most interest
Total remaining balance over time
Per-debt payoff dates