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Debt Payoff Calculator

Compare snowball and avalanche repayment strategies across several debts.

The avalanche method pays the highest-interest debt first and always costs less overall; the snowball method clears the smallest balance first for quicker visible progress. This calculator simulates both across all your debts month by month, rolling each freed minimum payment into the next debt.

Runs in your browser
Privacy
Runs entirely in your browser — nothing is uploaded
Cost
Free, unlimited, no sign-up

Frequently asked questions

What does "rolling" the payment mean?

When a debt is cleared, its minimum payment does not go back into your pocket — it is added to the amount attacking the next debt. That is what makes both methods accelerate, and why the last debt clears far faster than the first.

How to use the debt payoff calculator

  1. 1Enter or paste your debts.
  2. 2Set the extra payment per month.
  3. 3Choose the strategy.
  4. 4Choose the currency symbol.
  5. 5The result appears immediately — copy or download it.

Embed this tool

Put the working debt payoff calculator on your own site. It runs in your visitors' browsers exactly as it does here — free, no account, nothing uploaded.

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