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 Snowball 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
Avalanche 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 smaller balances
The snowball option orders outstanding debts by balance. Enter each debt’s balance, APR and payment, then choose an affordable extra payment to compare schedules. This tool keeps the total monthly payment budget constant as debts are paid off.
What the comparison means
The other strategy shown uses the same inputs and monthly budget. Compare the estimated time and interest, rather than assuming either strategy is right for every situation. Check the full schedule and your lender’s terms before acting.
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.