Free debt calculator to build debt payoff plan. Instant results in your browser — no signup.
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Work backward from a target to the plan you need.
Start from the goal, then fill the constraints.
Results update when you click Build Payoff Plan.
Required action to hit the target.
Debt-free in
39 months
Required to reach your target
Strategy
Avalanche
Total interest (est.)
$4,051
Total debt
$21,000
Payoff order
| Priority | Debt | Balance | APR |
|---|---|---|---|
| 1 | Debt 1 | $6,500 | 22.99% |
| 2 | Debt 3 | $2,500 | 15.00% |
| 3 | Debt 2 | $12,000 | 8.50% |
Free debt calculator to build debt payoff plan. Instant results in your browser — no signup. Avalanche targets highest APR first to minimize interest; snowball clears smallest balances first for quick wins.
Avalanche targets highest APR first to minimize interest; snowball clears smallest balances first for quick wins.
$650/mo across three debts — avalanche typically saves more interest than snowball.
Avalanche is usually cheaper in interest; snowball can improve motivation with early wins.