Debt payoff calculator
Snowball or avalanche: when you will be debt-free and how much interest each method costs.
- 100% free
- No sign-up
- Your debts stay on your device
- Plan as CSV and PDF
List your debts (credit cards, loans, buy-now-pay-later installments) with their balance, APR and minimum payment, plus how much you can pay in total each month. The calculator runs the debt snowball (smallest balance first) and the debt avalanche (highest rate first) side by side, shows the month you become debt-free with each, the total interest and the order in which each debt is paid off. If your budget does not cover the minimums, it tells you how much is missing instead of drawing an impossible plan.
How it works
List your debts
Balance, APR and minimum payment for each card, loan or installment plan.
Set your budget
How much you can pay in total each month, plus an optional extra payment.
Pick a method
Compare snowball and avalanche, review the month-by-month plan and download it.
What makes it different
Both methods at once
No guessing: see the difference in months and interest right away.
Month-by-month plan
How much to pay each debt every month, with the date each one is paid off.
Extra payments
Add an extra monthly amount or a one-time payment (bonus, tax refund) and see how much sooner you finish.
Tells you when it does not add up
If the budget does not cover minimums or interest, it shows how much is missing.
CSV and PDF
Print the plan or take it to Excel to check off payments.
Private
No account, no email: the math runs in your browser.
What people use it for
Several credit cards
Decide which card to pay first when you carry balances on two or three.
Buy now, pay later
Include 0% installments alongside expensive debt and see the right order.
Loan plus cards
Combine a personal or student loan with your cards in one plan.
Using a bonus
See how much sooner you finish if you put a one-time payment toward debt.
Motivation
The snowball gives quick wins; the avalanche saves interest. Choose with numbers.
Planning with a partner
Share the PDF or the link to agree on a budget together.
Compared with other debt calculators
Many debt planners make you create an account or only handle one debt. This one does not:
- Up to 20 debts at once, including high-APR credit cards.
- Snowball and avalanche calculated in parallel, with the interest difference.
- Warns you when the budget falls short instead of showing an endless plan.
- Exports the plan to CSV and PDF without asking for your email.
- Works without an account and never sends your data.
Frequently asked questions
Which is better, the debt snowball or the debt avalanche?
The avalanche (pay the highest-rate debt first) always costs the same or less interest. The snowball (pay the smallest balance first) closes debts sooner and keeps you motivated. If the interest difference is small, choose the one you are more likely to stick with.
How does the debt snowball method work?
You pay the minimum on every debt and put everything left over toward the smallest balance. When it is paid off, its payment rolls into the next smallest, and so on: the payment grows like a snowball.
How long will it take to pay off my credit card?
Enter the balance, the APR and what you can pay each month, and the calculator shows the exact month you finish and the total interest. Paying only the minimum on a high-APR card can take decades; every extra dollar shortens it.
What if my budget does not cover the minimum payments?
The calculator tells you how much is missing each month. In that case, call your lender about a hardship plan or refinancing before you fall behind, or look at a consolidation loan with a lower payment.
How do I include a 0% buy-now-pay-later plan?
Add it as a debt with a 0% rate and a minimum payment equal to the installment. The avalanche will leave it for last because it does not accrue interest.
Should I take out a loan to pay off my credit cards?
Only if its total cost (fees and insurance included) is lower than the cards' and you stop using them. Compare it in the Loan Calculator with its true effective rate.
Is my data stored?
No. The calculation runs in your browser and nothing is sent to a server. If you use Copy link, your numbers travel inside the link you share.