Loans & debt · 2 min
List your debts and the total you can pay each month. The planner runs both classic strategies — smallest balance first (snowball) and highest rate first (avalanche) — and shows the payoff date and total interest for each, so you can pick with the numbers in front of you.
The expensive card usually sits here.
Leave at 0 if you have three or fewer.
Across all debts, minimums included.
Everything is calculated in your browser as you type. Nothing you enter is sent or stored, and no account is needed.
Debt-free in 2.3 years.
27 months
with the avalanche order at this budget
| Snowball — smallest first | Avalanche — highest rate first | |
|---|---|---|
| Payoff order | — | — |
| Months to debt-free | — | — |
| Total interest paid | — | — |
| First debt cleared in | — | — |
| Monthly budget | Debt-free in | Total interest (avalanche) |
|---|---|---|
| — | — | — |
| — | — | — |
| — | — | — |
The avalanche always pays the least interest; the snowball clears the first account faster. If an early win keeps you on the plan, the snowball's extra cost is the price of finishing, and it is usually small. Both numbers are on this page.
Check whether a balance transfer or consolidation loan beats both orders. Moving a 21% card balance to anything under 10% changes this table more than the strategy choice does.
The budget must at least cover the combined monthly interest, or no order works. If the planner says the budget is too low, that is the real finding, and the next call is to the lenders, not the spreadsheet.
Everything below is calculated from your inputs. Nothing is fetched or stored.
each month: add interest (rate/12) to every balance,
pay the target debt with everything left after the others' interest,
roll each cleared debt's share into the next target.
snowball → targets ordered by balance, smallest first
avalanche → targets ordered by rate, highest first
Both plans are simulated month by month from the same budget, so the comparison is fair. Minimum-payment rules vary by lender; the planner uses the simplest honest version, which is interest kept current on every debt while the target gets the rest.
Limitations. Promotional 0% periods, minimums that exceed interest, and fees are outside this page. Four debts cover most households; if you have more, combine the smallest ones into one line at their average rate for a close answer.