Compare debt snowball vs avalanche payoff. Enter balances, APRs, minimums and extra payment to see months, interest saved and debt-free date.
Debt-free in
3y 8m (44 months)
Total interest
$5,505.68
Total paid
$23,005.68
Debt-free in
3y 8m (44 months)
Total interest
$5,267.20
Total paid
$22,767.20
Written and maintained by the Tool4SaaS team. Every tool runs locally in your browser and is tested in-house for accuracy. Last updated: .
Avalanche with highest APR first minimizes total interest; snowball clears smallest balance first for momentum.
Fixed monthly pool of all minimums plus extra; freed minimums roll to the next priority debt automatically.
Yes, payoff simulation runs locally in your browser.