All Calculators

Debt Paydown

Compare the Avalanche method (highest interest first) against the Snowball method (smallest balance first) across your full debt picture.

Your Debts

Extra Monthly Payment
Avalanche payoff4 yrs 9 mo
Snowball payoff4 yrs 11 mo
Snowball
Avalanche

Avalanche Advantage

$2K

in interest saved, and 2 mo off your payoff date versus the Snowball method.

Disclaimer: This tool is for illustrative purposes only and does not constitute financial, legal, or tax advice. Calculations assume fixed interest rates, monthly compounding, and consistent payments. Actual results depend on lender terms, fees, and changes to your payment behavior.