Debt Payoff Calculator

Snowball vs. Avalanche — enter your debts below and see your real payoff date, free.

Your Debts

Choose Your Method

Snowball (smallest balance first)
Avalanche (highest interest first)
Debt-Free Date
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Months to Freedom
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Total Interest Paid
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Your Payoff Order

Save Your Plan & Track Your Progress

The free calculator gives you the math. The full version saves your debts permanently, tracks your progress month to month, and lets you update balances as you pay them down — for one small one-time payment.

GET THE FULL VERSION — $9.99 →

A debt payoff planner that shows your debt-free date: compare the snowball and avalanche methods side by side, see interest saved, and watch the plan update as you pay. Runs as a live web app in your browser — no account, no subscription.

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