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Debt Avalanche Calculator

Attack the highest-APR debt first to minimize total interest paid.

Inputs

BalanceAPR %Min

Extra monthly payment

Debt-free in

$3.25

Interest paid: $3,942.27

Savings vs. snowball

$0.00

Avalanche months

Snowball months

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Same engine as snowball, but extra payments target the debt with the highest interest rate first.

Why avalanche?

It always pays the least total interest because you target the highest-rate balance first.

Why isn't it more popular?

Because you may go many months before clearing a single debt, which can hurt motivation.

Can I mix methods?

Yes — start with snowball for momentum, then switch to avalanche once you've cleared one or two debts.

Does APR include fees?

No — APR is just interest. Fees are separate. Look at total cost to compare.

What if all my rates are similar?

Then snowball and avalanche behave almost identically — pick whichever you'll stick with.