Calculator
Debt Payoff Calculator
Up to six debts: snowball vs. avalanche, payoff dates, total interest, and what +$25 to +$250 a month changes.
Results
Worked example
Total debt$9,600
3 debts · minimums $199/month · extra $150/month
Snowball (smallest balance first)2 years 9 months
debt-free around May 2029 · total interest $1,771
Avalanche (highest rate first)2 years 9 months
debt-free around May 2029 · total interest $1,663
At minimum payments alone, at least one balance never pays off — the rollover plan is the exit.
Avalanche saves $108 in interest; snowball clears 'Store card' first for the early win. The best method is the one you'll still run in month eight.
| Extra beyond current (avalanche) | Time to debt-free | Total interest | Interest saved |
|---|---|---|---|
| +$25/month | 2 years 6 months | $1,508 | $155 |
| +$50/month | 2 years 4 months | $1,381 | $281 |
| +$100/month | 2 years 1 month | $1,187 | $476 |
| +$250/month | 1 year 6 months | $846 | $817 |
Fixed total budget with rollover: as each debt dies, its payment joins the attack on the next.