⛓️ Debt Payoff Planner (Avalanche vs Snowball)
Free debt payoff calculator comparing the avalanche and snowball methods. Add your debts, set an extra payment and see your debt-free date and total interest.
Avalanche saves you — in interest versus snowball.
How this calculator works
Each month the planner charges interest on every balance, pays each minimum, then sends everything left over — your extra payment plus minimums freed up from debts already paid off — to a single target debt. Avalanche targets the highest interest rate first, which mathematically minimizes interest. Snowball targets the smallest balance first, which produces quick wins that help many people stay motivated.
The gap between the two is often small when rates are similar and large when one debt (usually a credit card) has a much higher APR. If the savings are minor, pick the method you will actually stick with. If they are large, avalanche is usually worth it.
Frequently asked questions
Which method is better?
Avalanche always costs the same or less interest. Snowball can be better for you if early wins keep you committed. Use the numbers above to see what the motivation premium costs.
Should I consolidate instead?
A lower-rate consolidation loan or balance transfer can help if you stop adding new debt and the fees are lower than the interest saved. Run both scenarios here by editing the APRs.
Is my debt information stored?
No. Everything stays in this browser tab.
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Results are estimates for educational purposes based on the inputs and assumptions shown; they are not a guarantee or a recommendation. Last reviewed October 30, 2026.