Avalanche vs. Snowball Elimination Engine
Debt Payoff Calculator
Compare the Debt Avalanche (lowest total interest) versus the Debt Snowball (fastest psychological wins) and see the exact month you will become 100% debt-free.
Select Repayment Strategy
Choose how extra funds are allocated across your debts
+$200/mo
Your Current Debts (3)
Total Balance: $13,150 • Required Minimums: $390/mo
Debt Name
Balance ($)
APR (%)
Min ($)
Debt Name
Balance ($)
APR (%)
Min ($)
Debt Name
Balance ($)
APR (%)
Min ($)
Your Payoff Sequence Under Avalanche
Debts ordered from highest to lowest APR. Every extra dollar targets Debt #1 first to stop maximum interest accrual.
1
⚡ Current TargetDepartment Store Card
Balance: $1,850 • APR: 29.99%
2
High-Interest Credit Card
Balance: $4,800 • APR: 26.99%
3
Personal Loan
Balance: $6,500 • APR: 14.5%
Payoff HorizonAVALANCHE MODE
Estimated Debt-Free Date
Feb 2029
Achieved in 2 yrs 4 mos (28 total months)
Total Interest Paid
$3,306
Monthly Outlay
$590/mo
Avalanche vs. Snowball Comparison
Avalanche Interest:$3,306 (28 mos)
Snowball Interest:$3,306 (28 mos)
Accelerate Your Payoff
Consolidating high-APR cards into a fixed personal loan or transferring to a 0% intro APR card can cut hundreds off your monthly interest, diverting 100% of your dollars straight to principal.
⚠️ Financial Planning Disclaimer: This payoff schedule assumes all minimum payments are made on time each month, no additional charges are placed on the accounts, and interest rates remain constant. If credit card interest rates are variable, monthly interest accrual will adjust with changes to the Federal Prime Rate.