Debt Payoff Calculator
FREECompare debt snowball vs avalanche in seconds, see which plan pays off faster, and estimate total interest before you commit to a payoff strategy.
Enter up to 6 debts with current balance, APR, and minimum payment. The calculator uses your total monthly debt budget to compare both payoff methods.
Monthly debt budget
$0
Debts entered
0
Snowball payoff date
—
Avalanche payoff date
—
Snowball interest
$0
Avalanche interest
$0
If the avalanche strategy saves interest, you will see the savings here after running the comparison.
📚 Recommended: The Total Money Makeover — A simple, motivation-first framework for knocking out balances and building a realistic payoff plan.
Need templates? Browse our professional template store — contracts, checklists, and planners from $17.