Debt Payoff Calculator
Snowball vs. avalanche, run on your actual balances and rates.
Add each debt, set your extra monthly payment, then calculate.
Snowball (smallest balance first)
Payoff time
Total interest paid
Avalanche (highest APR first)
Payoff time
Total interest paid
Educational estimate, not financial advice — assumes fixed APRs and consistent on-time payments every month. Missing a payment resets the math and typically triggers a penalty APR, which this simulation does not model.