Free Debt Payoff Calculator

Compare snowball vs avalanche debt payoff methods. Enter your debts to see a personalized payoff timeline, total interest paid, and monthly payment schedule.

How to Use This Calculator

1. Enter each debt with its balance, interest rate, and minimum payment
2. Set your extra monthly payment amount
3. Compare snowball (smallest balance first) and avalanche (highest interest first) strategies
4. View your projected debt-free date and total interest savings

Compare all debt strategies | Take the strategy quiz