Debt Payoff Calculator
Compare Avalanche and Snowball payoff strategies. Set target payoff goals and model custom lump sum payments.
Data Management
Your Debts
| Name | Balance ($) | APR (%) | Min Payment ($) | |
|---|---|---|---|---|
One-Time Extra Payments (Lump Sums)
Total Debt Decline Curve (Avalanche vs. Snowball)
Payoff Strategy
Avalanche Method
53 mo
Required Monthly Extra:$200.00
Interest Charged:$3,480.08
Total Cost:$28,480.08
Snowball Method
49 mo
Interest Charged:$3,544.80
Total Cost:$28,544.80
How debt snowball vs avalanche calculators work
The debt avalanche method allocates extra funds to the account with the highest annual percentage rate (APR) first, minimizing overall interest cost. The debt snowball method focuses extra payments on the smallest total balance, which creates quick wins and boosts motivation.
This calculator models custom lump sum bonuses, solves for required monthly budgets to hit timeline targets, and tracks remaining balances over time. Importing and exporting JSON keeps your lists securely saved.
Private & free — this tool runs entirely in your browser.
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