# 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.

**URL:** https://convertto.tech/t/debt-payoff-calculator
**Category:** Calculators (https://convertto.tech/c/calculators)
**Privacy:** Runs entirely in the browser; no upload
**Cost:** Free, no sign-up
**Last updated:** 2026-08-01

## Key facts

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

## How to use

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

## FAQ

### 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.

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