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Debt Payoff Calculator (Snowball vs Avalanche)

Compare the debt snowball and avalanche strategies and see which saves you more.

Tip: list every debt — credit cards, car, student loans, medical, etc.

Any extra cash you can throw at debt each month — split however you like.

Strategy

Avalanche

Debt-free in

3y 1m

Total interest

$2,703

If you tried the other strategy

Snowball — debt-free in

3y 1m

Snowball — total interest

$2,703

Difference: Snowball costs ~$0 more in interest, but you kill debts faster for motivation.

À propos de cet outil

List your debts, interest rates, and minimum payments. The tool runs both the snowball (smallest balance first) and avalanche (highest APR first) payoff strategies and shows you the total interest and payoff date for each. The single most-asked question on r/personalfinance.

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