Debt Snowball & Avalanche Calculator
List your debts and a monthly extra payment, then compare the snowball (smallest balance first) and avalanche (highest interest first) payoff orders month by month.
Your debts
3 of 8 debts| Name | Balance ($) | APR (%) | Min. payment ($) | Remove |
|---|---|---|---|---|
Goes at the focus debt every month.
Up to 8 debts keep the chart readable.
Debt-free in
2y 5m
Debt-free date
—
Total interest
$2,790.90
Total paid
$21,240.90
Balance over time
Bars are each debt's remaining balance, stacked to the monthly total. The dark line is the total for this strategy; the dashed violet line is Avalanche (other strategy).
Snowball vs avalanche
| Strategy | Months to debt-free | Debt-free date | Total interest | Total paid |
|---|---|---|---|---|
| snowball(shown above) | 2y 5m | — | $2,790.90 | $21,240.90 |
| avalanche | 2y 5m | — | $2,634.04 | $21,084.04 |
Avalanche saves more interest — $156.86 less than Snowball.
Month-by-month schedule — Snowball
| Month | Calendar | Store card | Credit card | Car loan | Total left | Interest | Paid |
|---|---|---|---|---|---|---|---|
| 1 | — | $527.01 | $6,178.65 | $11,215.30 | $17,920.96 | $205.96 | $735.00 |
| 2 | — | $201.36 | $6,156.86 | $11,029.46 | $17,387.68 | $201.72 | $735.00 |
| 3 | — | — | $6,007.63 | $10,842.48 | $16,850.11 | $197.43 | $735.00 |
| 4 | — | — | $5,652.29 | $10,654.34 | $16,306.63 | $191.52 | $735.00 |
| 5 | — | — | $5,289.58 | $10,465.04 | $15,754.62 | $182.99 | $735.00 |
| 6 | — | — | $4,919.34 | $10,274.57 | $15,193.91 | $174.29 | $735.00 |
| 7 | — | — | $4,541.41 | $10,082.93 | $14,624.35 | $165.44 | $735.00 |
| 8 | — | — | $4,155.65 | $9,890.11 | $14,045.76 | $156.41 | $735.00 |
| 9 | — | — | $3,761.88 | $9,696.10 | $13,457.98 | $147.22 | $735.00 |
| 10 | — | — | $3,359.93 | $9,500.89 | $12,860.83 | $137.85 | $735.00 |
| 11 | — | — | $2,949.65 | $9,304.48 | $12,254.14 | $128.31 | $735.00 |
| 12 | — | — | $2,530.86 | $9,106.86 | $11,637.72 | $118.58 | $735.00 |
| 13 | — | — | $2,103.37 | $8,908.02 | $11,011.39 | $108.67 | $735.00 |
| 14 | — | — | $1,667.02 | $8,707.95 | $10,374.97 | $98.58 | $735.00 |
| 15 | — | — | $1,221.61 | $8,506.65 | $9,728.26 | $88.29 | $735.00 |
| 16 | — | — | $766.96 | $8,304.11 | $9,071.07 | $77.81 | $735.00 |
| 17 | — | — | $302.87 | $8,100.32 | $8,403.19 | $67.12 | $735.00 |
| 18 | — | — | — | $7,724.43 | $7,724.43 | $56.24 | $735.00 |
| 19 | — | — | — | $7,037.06 | $7,037.06 | $47.63 | $735.00 |
| 20 | — | — | — | $6,345.46 | $6,345.46 | $43.40 | $735.00 |
| 21 | — | — | — | $5,649.59 | $5,649.59 | $39.13 | $735.00 |
| 22 | — | — | — | $4,949.42 | $4,949.42 | $34.84 | $735.00 |
| 23 | — | — | — | $4,244.95 | $4,244.95 | $30.52 | $735.00 |
| 24 | — | — | — | $3,536.12 | $3,536.12 | $26.18 | $735.00 |
| 25 | — | — | — | $2,822.93 | $2,822.93 | $21.81 | $735.00 |
| 26 | — | — | — | $2,105.34 | $2,105.34 | $17.41 | $735.00 |
| 27 | — | — | — | $1,383.32 | $1,383.32 | $12.98 | $735.00 |
| 28 | — | — | — | $656.85 | $656.85 | $8.53 | $735.00 |
| 29 | — | — | — | — | $0.00 | $4.05 | $660.90 |
Every month of the plan. The CSV export always contains all months.
About this tool
This calculator turns a list of debts into a month-by-month payoff plan and compares the two classic orders — snowball (smallest balance first, for momentum) and avalanche (highest interest rate first, for the least interest). It simulates every month by hand: interest accrues on each open balance at APR ÷ 12, minimums are paid, then the extra payment plus every minimum freed by a cleared debt is thrown at the focus debt.
Everything runs entirely in your browser — no account, no upload, and your figures never leave the device. The simulation stops after 600 months, warns you if a minimum payment cannot even cover its own interest, and accepts up to 8 debts so the chart stays readable.
- 100% free — no account needed
- Runs in your browser
- Nothing is uploaded
Frequently asked questions
Is Debt Payoff Planner really free?
Yes. Debt Payoff Planner is completely free on PureBrowser — every feature, with no account, no trial, and no credit card.
Does Debt Payoff Planner upload my data?
No. Debt Payoff Planner runs entirely inside your browser, so anything you type, paste, or open stays on your own device.
Do I need to sign up or install anything?
Neither. There is no account and nothing to download — open the page and Debt Payoff Planner is ready to use on desktop or mobile.
Does Debt Payoff Planner work offline?
Once the page has loaded, yes. All of the processing happens locally in your browser, so it keeps working without a connection.
More finance & everyday math
Tip Calculator & Bill Splitter
Calculate tip and split total bill per person with instant totals.
Percentage Calculator
Solve percent-of, what-percent, and percentage-change calculations.
VAT/Tax Calculator
Add or remove VAT/tax from amounts with a configurable rate.
Fuel/Road Trip Cost Calculator
Estimate fuel needed and trip cost from distance, efficiency, and fuel price.
Mortgage Calculator
Estimate monthly payment, total paid, and total interest for a home loan.
Loan & EMI Calculator
Calculate monthly EMI, total interest, and full amortization schedule for any loan.