moneyAvalanche: tackle the rate
Pay the regular amount on every debt, then put extra money toward the highest interest rate. This generally reduces the interest you pay.
A CLEARER WAY FORWARD
Debt Avalanche Calculator
Find your debt-free date. See what a little extra can do.
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Your numbers stay yours.Calculations happen on your device.
01 / YOUR STARTING POINT
Let’s map out your debts
Use your current balances and monthly payments.
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02
03
A little extra each month
On top of your regular payments.$0$1,000
YOUR DEBT-FREE HORIZONYOUR PLAN
Your debt-free date
4 yr 1 mo from your starting point
Time saved1 yr 1 mo
Interest saved$2,816
Monthly budget$880
02 / THE ROAD TO ZERO
Watch your balance fall
Your planNo extra
An extra $150/month saves $2,816 in interest.
Total starting debt$36,900
Interest with your plan$5,424
Snowball comparison: 4 yr 1 mo and $5,424 total interest.
Your monthly roadmap
View payment schedule
| Month | Payment | Interest | Balance |
|---|---|---|---|
| 1 | $880.00 | $261.84 | $36,281.84 |
| 2 | $880.00 | $255.59 | $35,657.43 |
| 3 | $880.00 | $249.24 | $35,026.67 |
| 4 | $880.00 | $242.81 | $34,389.48 |
| 5 | $880.00 | $236.28 | $33,745.76 |
| 6 | $880.00 | $229.64 | $33,095.40 |
| 7 | $880.00 | $222.91 | $32,438.31 |
| 8 | $880.00 | $216.08 | $31,774.39 |
| 9 | $880.00 | $209.14 | $31,103.53 |
| 10 | $880.00 | $202.10 | $30,425.63 |
| 11 | $880.00 | $194.95 | $29,740.58 |
| 12 | $880.00 | $187.69 | $29,048.27 |
| 13 | $880.00 | $180.33 | $28,348.60 |
| 14 | $880.00 | $172.86 | $27,641.46 |
| 15 | $880.00 | $165.26 | $26,926.72 |
| 16 | $880.00 | $157.56 | $26,204.28 |
| 17 | $880.00 | $149.73 | $25,474.01 |
| 18 | $880.00 | $141.78 | $24,735.79 |
| 19 | $880.00 | $133.72 | $23,989.51 |
| 20 | $880.00 | $125.52 | $23,235.03 |
| 21 | $880.00 | $117.20 | $22,472.23 |
| 22 | $880.00 | $108.75 | $21,700.98 |
| 23 | $880.00 | $100.16 | $20,921.14 |
| 24 | $880.00 | $92.87 | $20,134.01 |
| 25 | $880.00 | $88.83 | $19,342.84 |
| 26 | $880.00 | $84.78 | $18,547.62 |
| 27 | $880.00 | $80.70 | $17,748.32 |
| 28 | $880.00 | $76.61 | $16,944.93 |
| 29 | $880.00 | $72.49 | $16,137.42 |
| 30 | $880.00 | $68.35 | $15,325.77 |
| 31 | $880.00 | $64.18 | $14,509.95 |
| 32 | $880.00 | $60.00 | $13,689.95 |
| 33 | $880.00 | $55.79 | $12,865.74 |
| 34 | $880.00 | $51.57 | $12,037.31 |
| 35 | $880.00 | $48.15 | $11,205.46 |
| 36 | $880.00 | $44.82 | $10,370.28 |
| 37 | $880.00 | $41.48 | $9,531.76 |
| 38 | $880.00 | $38.13 | $8,689.89 |
| 39 | $880.00 | $34.76 | $7,844.65 |
| 40 | $880.00 | $31.38 | $6,996.03 |
| 41 | $880.00 | $27.98 | $6,144.01 |
| 42 | $880.00 | $24.58 | $5,288.59 |
| 43 | $880.00 | $21.15 | $4,429.74 |
| 44 | $880.00 | $17.72 | $3,567.46 |
| 45 | $880.00 | $14.27 | $2,701.73 |
| 46 | $880.00 | $10.81 | $1,832.54 |
| 47 | $880.00 | $7.33 | $959.87 |
| 48 | $880.00 | $3.84 | $83.71 |
| 49 | $84.04 | $0.33 | $0.00 |
SMALL STEPS. REAL PROGRESS.
Two paths.
One fresh start.
Snowball: build momentum
Start with the smallest balance. As each debt clears, roll that payment into the next one. Early wins can help you keep going.
Prioritize higher APRs
The avalanche option directs available extra payments toward higher-rate debts. Enter your actual balances, APRs and payments; the example values are fictional. The calculator rolls freed payments into remaining debts while keeping the total monthly budget constant.
Read the assumptions first
This is a fixed-rate monthly model. Promotional rates, daily interest, fees and changing minimum payments are not modeled. The displayed comparison is an estimate under these assumptions, not a promise of savings.
Calculations happen on your device. Save a plan locally or download its schedule. These are educational estimates, not personalized financial advice.
Calculation assumptions & privacy
Estimates use fixed APRs, monthly interest rounded to cents, and payments at the end of each month. Your total monthly budget stays constant: payments freed by paid-off debts roll into the next debt. The baseline uses the same strategy without extra payments. First payment is one month from today. Actual lender schedules, daily interest, variable rates, fees, and changing minimum payments may differ. Estimates are educational, not financial advice.
Debt labels and amounts stay in your browser. Saving stores your plan in this browser’s local storage; resetting removes that saved plan. No analytics, advertising scripts, AI services, or bank connections are enabled in this version. Your hosting provider may log ordinary page requests.