Debt Payoff Calculator
Put every balance in one place, set what you can pay each month, and see the avalanche and snowball methods run side by side with the real dollar difference between them.
Both pay every minimum and put all spare money into one target debt, then roll that payment into the next debt as each one clears. Avalanche targets the highest interest rate and always costs less in total interest. Snowball targets the smallest balance and clears individual debts sooner, which more people stick with.
Your debts
- Store card
- Credit card
- Car loan
- Store card
- Credit card
- Car loan
Total debt remaining, both methods
- Avalanche
- Snowball
Both lines start at the same place and end at the same place. Avalanche bends lower in the middle because less of every payment is lost to the highest rate.
How the two methods differ
Both pay the minimum on everything so nothing goes delinquent, then send every spare dollar to a single target. When that target clears, its whole payment rolls into the next one. That rollover is why both methods accelerate, and it is the only thing they have in common.
Avalanche targets the highest APR
This is always the cheaper answer, because it kills the most expensive interest first. If the only thing you care about is total cost, there is no argument to have.
Snowball targets the smallest balance
It costs more, sometimes only slightly. What it buys is whole debts disappearing sooner, which is the reason more people finish with it. The number above tells you exactly what that costs for your debts.
Frequently asked questions
Written by
Alexander Katsman
Founder, Credit Booster & Credit Booster AI
Alexander Katsman has spent more than 15 years in credit and finance, helping thousands of people and small business owners dispute inaccurate reporting, rebuild their scores, and get approved for funding they were once denied. His latest project, Credit Booster AI, puts that entire toolkit in everyone's hands, using AI to make fixing, building, and funding your credit accessible to all.
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