Debt Payoff Calculator (Snowball vs Avalanche)
Compare debt snowball vs avalanche strategies, see payoff timelines, and estimate total interest saved when you add extra payments.
Your debts
Anything you can add above the combined minimums. This goes to debts in snowball/avalanche order.
This calculator is for planning only. It assumes fixed interest rates and minimum payments and does not replace professional debt advice or your lender's official repayment schedules.
Timeline & interest
Remaining debt over time (current strategy)
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Frequently Asked Questions
What’s the difference between snowball and avalanche?
Snowball pays off the smallest balance first for quick wins. Avalanche pays off the highest interest rate first to minimise total interest.
Does this tool replace professional debt advice?
No. It is a planning helper to visualise timelines and interest. For serious debt problems you should speak to a qualified advisor or debt counsellor.