Debt Avalanche Calculator
Free debt avalanche calculator. Pay off highest interest rate first to save the most money. Compare to snowball and see your savings.
Let's list your debts
No judgment here — just getting a clear picture.
Can you add any extra?
Even $20/month makes a real difference. But no pressure!
Added on top of your minimums each month
Tax refund, bonus, or gift?
Not sure yet? You can skip this step — we'll still show your payoff plan.
You'll be completely debt-free by
That's just months away!
Great news! You'll save in interest — that's real money back in your pocket! And you'll be debt-free months sooner than just paying minimums.
Your debt disappearing over time
Your payoff journey
Each milestone is a victory. Celebrate them!
Paid off in month — First win!
Debt Freedom Day!
What's next?
| Month | Payment | Interest | Principal | Balance |
|---|---|---|---|---|
Showing first 24 of months.
How the Avalanche Method works
The debt avalanche method is mathematically optimal. You attack the highest interest rate first, which minimizes the total interest you pay over time.
The math advantage
High-interest debt costs you every single month. By eliminating it first, you stop the bleeding faster and save real money.
The process
- List debts from highest APR to lowest
- Pay minimums on everything except the highest-rate debt
- Put all extra money toward the highest APR
- When it's gone, move to the next highest rate
- Repeat until debt-free
Is it right for you?
Avalanche is ideal if you're motivated by optimization, you're disciplined enough to stick with a longer first payoff, or you have a debt with a significantly higher rate than the others.