Debt Payoff Planner
Compare avalanche and snowball payoff orders month by month, including the date and total interest.
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Your numbers
Enter each debt
Strategy comparison
A plan for $18,400
Avalanche · least interest
2y 3m
$3,176 interest
First cleared: Card A
Snowball · smallest first
2y 3m
$3,374 interest
First cleared: Card B
The avalanche saves $198 in this projection. If the difference is small, the strategy you will sustain matters more than theoretical perfection.
About this tool
Method, assumptions, practical next steps, and limits.
Compare the two common payoff orders on your own numbers
The avalanche sends extra money to the highest APR and normally minimizes interest. The snowball targets the smallest balance and normally produces an earlier first payoff. Both keep paying every minimum.
Calculation method
Each month, interest accrues from APR divided by 12, required minimums are paid, and the extra amount goes to the current target. When a debt closes, its former payment rolls into the next target.
Important limits
Real cards may use daily average balances and changing minimum-payment formulas. The projection is educational and should be checked against current statements before setting autopay.
