Debt Avalanche Calculator
Pay highest-rate debt first.
Enter your values
Results update instantly as you type — no submit needed.
Results
- Months to debt free
- 45
- Years
- 3.8
- Total paid
- $31,344.48
- Total interest
- $9,344.48
- Interest share of payments
- 29.81%
Quick answer
The avalanche method pays minimums on everything and throws every spare dollar at the highest interest rate, minimising total interest.
How to use the Debt Avalanche Calculator
- 1Add up your total balances.
- 2Enter your weighted average interest rate.
- 3Enter the total monthly payment you can commit.
Frequently asked questions
Avalanche or snowball?
Avalanche saves the most money; snowball clears small balances faster for motivation.
Does it matter much?
On mixed-rate debt, avalanche typically saves 5–15% of total interest.