Debt Payoff Calculator

Two ways to attack it

Avalanche sends your extra money at the highest interest rate first, which saves the most. Snowball goes after the smallest balance first, which costs a little more but hands you a quick win, and that momentum keeps a lot of people going. If the difference in interest is small, pick the one you will actually stick with. The single biggest lever is the extra payment, not the method, so drag that slider and watch the finish line move.

Assumes you keep paying the same total each month and roll finished payments onto the next debt. Rates are annual. Not financial advice. There's a full write-up in our snowball vs avalanche guide.