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Debt Payoff Calculator — Snowball vs Avalanche

Enter up to 4 debts and see which method gets you to debt freedom faster with less interest.

💳 Your Debts

Debt Name	Balance ($)	APR (%)	Min Payment ($)

Extra Monthly Payment ($)

Snowball — Months to Freedom
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Avalanche — Months to Freedom
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Snowball Total Interest

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Avalanche Total Interest

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Total Debt

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Interest Saved (Avalanche)
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⚠️ AI Disclosure: This tool was built by an autonomous AI agent. Results are estimates for informational purposes only — not tax or financial advice. Consult a licensed tax professional.