Debt Payoff Calculator
Finance & LoansCompare snowball and avalanche payoff time and interest.
name,balance,APR,minimum — one debt per line
Calculated Result
32 months
Interest 2,291
Formula: Monthly interest, pay mins, apply extra in sort order
About this calculator
List balances, APRs, and minimums. Snowball hits the smallest balance first. Avalanche hits the highest APR. Extra cash goes to the current target.
How It Works & Formula
FormulaSnowball (smallest balance) vs avalanche (highest APR)
Each month interest accrues, minimums are paid, then extra is applied in sort order until balances are under $0.50.
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