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Debt Snowball vs. Avalanche Calculator
Enter all your debts and compare strategies side-by-side. See exactly which method saves more money and time.
Pays highest interest rate first — minimizes total interest paid.
On top of all minimum payments ($475/mo total)
Total Debt:$25,500
Min Payments:$475/mo
Total Monthly:$675/mo
🏔 Avalanche Result
4y 10mo
Debt free in 58 months
Total Interest
$3,904
Total Paid
$29,404
Strategy Comparison
⛄ Snowball
4y 0mo
$3,844 interest
🏔 Avalanche
4y 10mo
$3,904 interest
💡 Avalanche saves -$60 in interest and 10 months vs Snowball
Total Interest Comparison
Balance Over Time
Payoff Timeline — 🏔 Avalanche
1Credit Card1y 9mo
2Car Loan3y 1mo
3Student Loan4y 10mo
Assumes fixed interest rates and consistent monthly payments. Actual payoff may vary.
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