Debt Snowball & Avalanche Calculator

Debt snowball and avalanche calculator: when you will be debt-free, the total interest and the order your debts are paid off, with an extra monthly payment.

pay minimums, put every extra on one debt, roll it over

How to use this calculator

  1. Type your input in the box.
  2. The result updates as you type.
  3. Use “Copy result” or “Copy link” to share it.

The snowball method pays off the smallest balance first (quick wins); the avalanche method pays off the highest rate first (least interest). In both, freed-up minimums roll into the next debt.

Estimates for planning only; not financial advice. Your lender’s or provider’s figures may differ.

Frequently asked questions

Visa $4,000 at 22 %, car $9,000 at 7 %, student $15,000 at 5 %, plus $300 extra (snowball)?

Debt-free in 37 months with about $2,801 interest — about $3,100 less than paying only minimums.

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