When will you be debt-free?
Add your debts and an extra monthly payment. We'll show your payoff date, total interest, and whether the snowball or avalanche method wins for you.
Your debts
Balance · APR % · minimum monthly payment
Your results
Track it on paper 🌿
Our printable Debt Payoff tracker makes progress feel real.
Snowball vs. avalanche: which should you use?
Both methods work — the best one is the one you'll stick with. The avalanche pays your highest-interest debt first and saves you the most money. The snowball clears your smallest balance first, giving you a quick win that keeps you motivated. This calculator runs your real numbers so you can see the difference in both time and dollars.
How to use this calculator
Enter each debt's balance, interest rate (APR), and minimum payment. Add any extra you can pay each month — even $50 dramatically shortens your timeline. Pick a strategy and hit calculate. Try switching strategies to compare.
Does an extra payment really matter that much?
Yes. Because extra payments go straight to principal, they compound in your favor — often cutting years off your timeline and saving thousands in interest.
Is my data private?
Completely. Everything is calculated in your browser. Nothing is uploaded or stored.