Debt Payoff Calculator

Snowball vs Avalanche — find the fastest and cheapest route to debt freedom.

Your debts
Monthly budget
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$
Rolled to the focus debt on top of minimums
Payoff strategy
Total Interest
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at current strategy
Debt-Free In
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Total Paid
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Strategy comparison
❄️ Snowball
Total Interest
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Payoff Time
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Motivation
Quick wins — small debts clear fast
🏔️ Avalanche
Total Interest
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Payoff Time
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Motivation
Mathematically optimal — saves most interest
Total remaining balance over time
Per-debt payoff dates