Free debt payoff planner
Compare debt snowball and debt avalanche strategies, estimate interest savings, and build a month-by-month payoff plan. Your numbers stay in your browser.
Enter debts, APRs, and extra monthly budget to compare Snowball, Avalanche, and custom order in real time.
Pay highest-APR debt first. Usually saves the most interest overall.
Pay smallest-balance debt first. Builds quick wins and motivation.
Type the stable amount you can add every month after all minimum payments.
Snowball pays off smallest balances first to create quick psychological wins. Avalanche pays highest-interest debts first and usually saves the most interest mathematically.
Model: interest accrues monthly, then minimum payments and extra budget are applied. Results are educational approximations.
Both strategies use the same monthly budget. Snowball pays the smallest balance first. Avalanche pays the highest APR first.
| Scenario | Debt details | Note |
|---|---|---|
| Mixed debt example | Credit card $4,200 at 24.9%, card $1,200 at 21.9%, student loan $9,800 at 5.5%, auto loan $7,200 at 7.9% | Avalanche saves about $129 in this example. |
| Credit-card-heavy example | Card A $3,500 at 22.9%, card B $1,800 at 19.9%, personal loan $6,500 at 12.5% | Avalanche gains more value when high-rate balances dominate. |
Compare both strategies with your own numbers · Open the full comparison guide
Debt snowball is often easier to stick with because it pays the smallest balance first and creates quick wins. Debt avalanche usually saves more interest because it pays the highest APR first. The better plan is the one you can follow consistently.
No. Calculations, exports, and share links are handled in your browser. Balances, APRs, minimum payments, and schedules are not sent to a server.
Enter the amount you can reliably pay after covering all minimum payments. Start with a sustainable number so the plan does not compete with essential expenses.
No. Results are educational planning estimates. Real loans may have daily interest, fees, promotional rates, or prepayment rules.
For more answers, visit the full FAQ.