Debt payoff acceleration planner. Compares the Snowball (lowest balance first) and Avalanche (highest interest rate first) strategies to identify total interest savings and debt freedom timelines.
Runs entirely in your browser
When you have several debts, the order you pay them off changes how much interest you pay and how quickly you become debt-free. This calculator compares the two main strategies: the Snowball method (clear the smallest balance first for quick psychological wins) and the Avalanche method (clear the highest-interest debt first to minimise total interest).
Seeing both side by side resolves a real tension: Avalanche is mathematically cheaper, but Snowball’s early wins help many people stay motivated. The tool shows the total interest each approach costs and the timeline to freedom, so you can choose with the numbers in front of you rather than on faith.
It runs in your browser, so your debt details are not uploaded. Use it to pick a payoff strategy, see what accelerating payments saves, and build a concrete plan to clear your balances.
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