Debt snowball vs avalanche calculator

Enter your debts and the extra you can pay each month. See your debt-free date and total interest for both methods, and how much the avalanche saves.

✓ TestedSame month-by-month model as the tested spreadsheet

Avalanche saves you–

	Snowball	Avalanche
Months to debt-free
Debt-free date
Total interest
First debt paid off

How it works

Each month every debt accrues interest (APR ÷ 12) and gets its minimum payment. The rest of your budget (all minimums plus your extra) goes to the top-priority debt: the smallest balance for the snowball, the highest APR for the avalanche. When a debt is paid off, its minimum rolls into the next, so your total monthly payment stays the same.