The mathematically optimal way out of debt.
Target your highest interest rates first. Minimize lifetime interest payments and maximize your overall speed.
Configure Parameters
Live Payoff Analysis
Months to Eliminate Debt
--
Total Interest Paid
--
Interest Saved vs Minimums
--
Visual Projections
Amount
Interest
Values update automatically as inputs slide. Zero server logs.
Common Questions & Guidance
Frequently asked questions regarding Debt Avalanche Calculator.
How does the Debt Avalanche method work?
You order your debts by interest rate from highest to lowest. You pay the minimums on all debts, and throw all extra cash at the debt with the highest APR. Once that is paid off, you roll the entire payment into the next highest APR debt.
What is the difference between Snowball and Avalanche?
Snowball prioritizes debts by balance size (smallest first) for psychological wins, while Avalanche prioritizes debts by interest rate (highest first) to save the most money.