Free tool
When will you be debt-free?
Enter your debts below. We simulate every month — snowball vs. avalanche — and show your debt-free date, total interest, and which strategy wins for your numbers.
Example numbers are pre-filled so you can see how it works — replace them with yours.
Your debts
Your payoff comparison
Snowball
Smallest balance first — quick wins, one fewer bill sooner.
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Debt-free date
Avalanche
Highest APR first — mathematically the cheapest route.
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Debt-free date
Planning tool, not financial advice. Estimates assume fixed APRs and payments; real payoff depends on your actual terms.
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This calculator shows the destination. The Debt Payoff Accelerator spreadsheet builds the whole route — every payment, every month, snowball vs. avalanche side by side, ready for Excel and Google Sheets.
See the Debt Payoff Accelerator — $4.99