Debt payoff calculator, snowball or avalanche
An example is filled in. Change the numbers, add up to twelve debts, then pick a way to pay. Nothing you type is sent anywhere.
1. Your debts
One card or loan per box. You can add up to 12. Use the arrows if you want a custom payoff order.
Debt 1
Debt 2
Debt 3
2. Extra money
Recurring extra sits on top of the minimums. A one-off, such as a tax refund, is applied once in the month you name. When one debt is gone, its payment moves to the next one.
3. Pick a way to pay
Tap one. The date and the interest update right away.
With Highest interest first
Paid off December 2028
You pay $2,285.61 in interest, and $12,285.61 in total.
That is $3,781.84 less interest than paying only the minimums.
Order: Card A, Card B, Card C
See the chart
Month 64
Minimum payments$0.00
Smallest first$0.00
Highest interest$0.00
Month by month
2026
| Month | Payment | Interest | Remaining | Card A | Card B | Card C |
|---|---|---|---|---|---|---|
| 1 · October 2026 | $465.00 | $169.25 | $9,704.25 | $4,258.71 | $3,170.64 | $2,274.90 |
| 2 · November 2026 | $465.00 | $163.50 | $9,402.75 | $4,012.40 | $3,140.82 | $2,249.53 |
| 3 · December 2026 | $465.00 | $157.61 | $9,095.36 | $3,760.96 | $3,110.52 | $2,223.88 |
Month by month
| Month | Payment | Interest | Remaining | Card A | Card B | Card C |
|---|---|---|---|---|---|---|
| 1 · October 2026 | $465.00 | $169.25 | $9,704.25 | $4,258.71 | $3,170.64 | $2,274.90 |
| 2 · November 2026 | $465.00 | $163.50 | $9,402.75 | $4,012.40 | $3,140.82 | $2,249.53 |
| 3 · December 2026 | $465.00 | $157.61 | $9,095.36 | $3,760.96 | $3,110.52 | $2,223.88 |
| 4 · January 2027 | $465.00 | $151.61 | $8,781.97 | $3,504.28 | $3,079.74 | $2,197.95 |
| 5 · February 2027 | $465.00 | $145.51 | $8,462.48 | $3,242.26 | $3,048.48 | $2,171.74 |
| 6 · March 2027 | $465.00 | $139.27 | $8,136.75 | $2,974.78 | $3,016.72 | $2,145.25 |
| 7 · April 2027 | $465.00 | $132.91 | $7,804.66 | $2,701.73 | $2,984.46 | $2,118.47 |
| 8 · May 2027 | $465.00 | $126.42 | $7,466.08 | $2,422.99 | $2,951.69 | $2,091.40 |
| 9 · June 2027 | $465.00 | $119.81 | $7,120.89 | $2,138.45 | $2,918.40 | $2,064.04 |
| 10 · July 2027 | $465.00 | $113.05 | $6,768.94 | $1,847.98 | $2,884.58 | $2,036.38 |
| 11 · August 2027 | $465.00 | $106.17 | $6,410.11 | $1,551.46 | $2,850.23 | $2,008.42 |
| 12 · September 2027 | $465.00 | $99.15 | $6,044.26 | $1,248.77 | $2,815.33 | $1,980.16 |
| 13 · October 2027 | $465.00 | $92.00 | $5,671.26 | $939.78 | $2,779.88 | $1,951.60 |
| 14 · November 2027 | $465.00 | $84.69 | $5,290.95 | $624.35 | $2,743.87 | $1,922.73 |
| 15 · December 2027 | $465.00 | $77.23 | $4,903.18 | $302.35 | $2,707.29 | $1,893.54 |
| 16 · January 2028 | $465.00 | $69.64 | $4,507.82 | $0.00 | $2,643.78 | $1,864.04 |
| 17 · February 2028 | $465.00 | $62.02 | $4,104.84 | $0.00 | $2,270.62 | $1,834.22 |
| 18 · March 2028 | $465.00 | $55.79 | $3,695.63 | $0.00 | $1,891.55 | $1,804.08 |
| 19 · April 2028 | $465.00 | $49.46 | $3,280.09 | $0.00 | $1,506.48 | $1,773.61 |
| 20 · May 2028 | $465.00 | $43.04 | $2,858.13 | $0.00 | $1,115.32 | $1,742.81 |
| 21 · June 2028 | $465.00 | $36.52 | $2,429.65 | $0.00 | $717.97 | $1,711.68 |
| 22 · July 2028 | $465.00 | $29.89 | $1,994.54 | $0.00 | $314.33 | $1,680.21 |
| 23 · August 2028 | $465.00 | $23.16 | $1,552.70 | $0.00 | $0.00 | $1,552.70 |
| 24 · September 2028 | $465.00 | $16.81 | $1,104.51 | $0.00 | $0.00 | $1,104.51 |
| 25 · October 2028 | $465.00 | $11.96 | $651.47 | $0.00 | $0.00 | $651.47 |
| 26 · November 2028 | $465.00 | $7.05 | $193.52 | $0.00 | $0.00 | $193.52 |
| 27 · December 2028 | $195.61 | $2.09 | $0.00 | $0.00 | $0.00 | $0.00 |