Debt Avalanche Calculator
Compare debt avalanche vs snowball methods to find the fastest and cheapest way to pay off debt.
Your Debts
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Interest Saved with Avalanche
$140
Debt free in 35 months
Total Debt
$33K
Monthly Payment
$1K
Avalanche Method
35 months
$5K interest
Pay highest rate first
Snowball Method
35 months
$5K interest
Pay smallest balance first
Avalanche Payoff Order
1Credit Card 1
Month 132Credit Card 2
Month 183Personal Loan
Month 28Method Comparison
Time DifferenceSame time
Interest Savings$140
Debt Free DateDec 2028
Avalanche: Mathematically optimal, saves the most money. Snowball: Provides psychological wins by paying off small debts first.