Debt Avalanche Calculator
The debt avalanche method attacks the highest interest rate first. Mathematically it always minimizes total interest when you stick to a fixed monthly budget. Here, the 22.99% card gets the surplus before the car loan at 6.5% — the comparison panel shows how much snowball would cost extra.
Enter your debts in the controls below. Both strategies are computed from the same inputs so the contrast is fair. Landscape PDF fits the six-column schedule on Letter paper. Print at 100% with scaling off.
Estimate for planning. Actual card and loan terms may include fees and rate changes this tool does not model.
Your debts stay in your browser. We never see them, and nothing is saved.
Avalanche (highest rate first)
Payoff: 38 months
Total interest: $3,177.55
First debt cleared: month 26
Snowball (smallest balance first)
Payoff: 39 months
Total interest: $3,302.31
First debt cleared: month 13
Avalanche: 38 months · $3,177.55 interest
Snowball: 39 months · $3,302.31 interest
Avalanche saves $124.76 in interest compared to snowball.
Snowball clears your first debt 13 months sooner.
Paying only minimums costs $3,378.12 more in interest than avalanche.
Avalanche clear order
- 1. Visa — month 26
- 2. Mastercard — month 30
- 3. Car loan — month 38
| Month | Debt | Payment | Interest | Principal | Balance |
|---|---|---|---|---|---|
| 1 | Visa | $2,880.00 | $903.83 | $1,976.17 | $2,823.83 |
| 1 | Mastercard | $780.00 | $384.87 | $395.13 | $1,704.87 |
| 1 | Car loan | $2,340.00 | $498.25 | $1,841.75 | $6,658.25 |
| 2 | Visa | $2,880.00 | $398.47 | $2,481.53 | $342.30 |
| 2 | Mastercard | $780.00 | $298.25 | $481.75 | $1,223.12 |
| 2 | Car loan | $2,340.00 | $374.92 | $1,965.08 | $4,693.17 |
| 3 | Visa | $350.95 | $8.65 | $342.30 | $0.00 |
| 3 | Mastercard | $1,309.72 | $86.60 | $1,223.12 | $0.00 |
| 3 | Car loan | $4,170.00 | $218.36 | $3,951.64 | $741.53 |
| 4 | Car loan ✓ | $746.88 | $5.35 | $741.53 | $0.00 |
The Nifty App · theniftyapp.com
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