Debt Payoff Calculator (A4)
A4 landscape is the default print size outside North America. This variant uses the same three-debt example and comparison logic with A4 dimensions so margins and pagination match your printer.
Controls below work the same as the Letter version — enter debts, set budget, pick avalanche or snowball for the rendered schedule. Download PDF sized for A4.
Print at 100%, scaling off. Not financial advice.
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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