Debt Payoff — Free Online Calculator
Snowball vs Avalanche. Free debt payoff with instant results.
Last updated: 2026-06-01
Avalanche pays highest interest first (saves money). Snowball pays smallest balance first (quick wins).
Your Debts
$
%
$
25% of total
$
%
$
15% of total
$
%
$
60% of total
$
Summary
Total Debt
$20,000
Min Payments
$590/mo
Your Payment
$790/mo
Debt Free In
29 mo
Total Interest
$2,723
Total Paid
$22,723
Compared to Snowball: Save $0 in interest
Payoff Order
1Credit Card 2
Month 12 • $376 interest
2Credit Card 1
Month 22 • $1,187 interest
3Car Loan
Month 29 • $1,159 interest
Check Your Debt-to-Income Ratio
See if your debt levels qualify you for a mortgage or other loans.
Results are estimates for planning purposes only. Verify important financial or health decisions with a qualified professional.
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- Credit Card Payoff Strategies That Work
Avalanche, snowball, balance transfers, and consolidation — strategies to eliminate credit card debt.