Debt Payoff Tool

Compare minimum payments, avalanche, and snowball strategies across all your debts

💳 Your Debts

Fill in up to 5 loans. Leave the rest blank.

Total Balance

Weighted APR

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Min. / Month

⚡ Extra Payment

Extra Each Month i Extra money you can put toward debt each month,
above your minimum payments.

In Avalanche & Snowball, this extra is applied to a single target loan each month. As loans get paid off, their freed-up payment also rolls into the target.

New to debt payoff strategies?

Read: Debt Snowball vs Avalanche

Strategy Comparison

Minimums Only

Snowball

Avalanche

Total Interest

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Total Interest

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Total Interest

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First Loan Paid Off

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First Loan Paid Off

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First Loan Paid Off

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Debt-Free In

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Debt-Free In

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Debt-Free In

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Outstanding Balance

Minimums Snowball Avalanche

Cumulative Interest Paid

Minimums Snowball Avalanche

Total Monthly Payment i Each drop in the Snowball or Avalanche line marks a month when a loan was fully paid off. The freed-up payment then cascades to the next target loan the following month, so the total payment stays roughly constant.

Minimums Snowball Avalanche

Educational use only · Not financial advice · Charts are capped at 360 months (30 years).