Debt-Free Date Calculator
The debt-free date is the headline number that makes a budget feel real — not "someday" but month 47 under avalanche or month 49 under snowball. This page frames the comparison around payoff timing and total interest so you can pick a strategy and a target date.
Set an optional start month and year in the controls below to print calendar dates on each row. Both strategies update live as you change the budget.
Estimate only. Your creditors may post payments on different cycles.
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
Related payoff plans
Debt Payoff Calculator
Free debt payoff calculator. Compare debt snowball vs avalanche, see your payoff date, and download a month-by-month printable PDF or CSV. Your debts stay in your browser.
Debt Snowball vs Avalanche — Side-by-Side Comparison
Free debt snowball vs avalanche — side-by-side comparison. Compare debt snowball vs avalanche, see your payoff date, and download a month-by-month printable PDF or CSV. Your debts stay in your browser.
Debt Payoff Plan — Printable PDF
Free debt payoff plan — printable pdf. Compare debt snowball vs avalanche, see your payoff date, and download a month-by-month printable PDF or CSV. Your debts stay in your browser.
Debt Payoff Tracker — Printable
Free debt payoff tracker — printable. Compare debt snowball vs avalanche, see your payoff date, and download a month-by-month printable PDF or CSV. Your debts stay in your browser.