Debt Paydown Calculator
Compare Avalanche (highest APR first) vs Snowball (smallest balance first). Add extra payments and see time & interest saved.
Your Debts
Debt Name
Balance ($)
APR (%)
Min Pay ($/mo)
Results
Debts: 0 • Strategy: Avalanche
Estimated Payoff Time
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Total Interest (This Strategy)
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Interest Saved vs. Other Strategy
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Payoff Date (Approx.)
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Tip: Try switching strategies and adjusting extra payments. You’ll see how quickly time and interest change.
Estimates are educational and not guarantees. Actual results vary by lender terms, compounding, and payment timing.






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