Free tool

Free Debt Payoff Calculator — Avalanche vs Snowball

Add up to six debts, test extra monthly payments, compare two payoff strategies side by side, and see when each balance disappears. Use it to choose the approach that best fits your numbers and your motivation style.

Your debt inputs

Enter up to 6 debts with name, balance, interest rate, and minimum payment. The extra payment field and slider stay synced so you can run quick what-if scenarios in $50 increments.

Debts entered: 0
Minimum total: $0

Payoff dates for each debt

DebtSelected strategyAvalancheSnowball

Payoff timeline

The selected strategy controls the timeline below so you can see which balance disappears first and how long the rest stay on the board.

Need the full debt system?

Get the Debt Avalanche System for worksheets, payoff planning pages, money reset prompts, and a more complete action plan that goes beyond the free calculator.

See the Debt Avalanche System
Use this calculator first, then grab the full system when you are ready to organize the payoff plan in detail.