Debt Payoff Calculator (Snowball vs Avalanche)
Compare the debt snowball and avalanche strategies and see which saves you more.
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.
このツールについて
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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