Credit & Debt

Debt Snowball vs Debt Avalanche Calculator

Add up to six debts and see exactly how much faster - and how much cheaper - the avalanche method is compared to the snowball.

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Debt Snowball vs Avalanche Calculator

Add your debts and compare payoff strategies.

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Avalanche payoff
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Total interest (avalanche)
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Snowball payoff
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Total interest (snowball)

Interest saved by avalanche: —

Payoff order (avalanche):

    Assumes fixed minimums and consistent extra payments. Real-world results vary.

    How to use this calculator

    Both methods get you to debt-free. The avalanche (highest APR first) always saves more in total interest paid. The snowball (smallest balance first) gives you quicker wins to stay motivated. Use this to see how many months and how many dollars are on the line for your specific debts.

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