Free tool

Debt Payoff Calculator

Snowball vs. avalanche, honestly compared: your debt-free date, total interest, and which method wins for your exact debts.

Your debts

Snowball

Cheaper by $0

Smallest balance first — wins on motivation

Debt-free in
4y 2m
Total interest
$6,815
Payoff order
  1. 1Credit card
  2. 2Car loan
  3. 3Student loan

Avalanche

Highest APR first — wins on math

Debt-free in
4y 2m
Total interest
$6,815
Payoff order
  1. 1Credit card
  2. 2Car loan
  3. 3Student loan
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