Debt Calculators
Clear your debt with a plan
Two proven strategies for paying off multiple debts. The snowball builds momentum with quick wins; the avalanche minimises the interest you pay. Try both — they share the same inputs.
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Debt Snowball Calculator
Pay smallest balances first for motivating quick wins. Payoff order, debt-free date, chart and schedule.
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Debt Avalanche Calculator
Attack highest-interest debts first to pay the least interest. Compare savings versus the snowball.
Which debt payoff method should you use?
The debt snowball clears your smallest balance first for motivating quick wins, while the debt avalanche clears your highest interest rate first to pay the least total interest. The snowball keeps more people motivated; the avalanche saves the most money. Both work by paying every minimum and directing spare cash at one debt at a time.
Not sure which fits you? Read the snowball vs avalanche guide, or run both calculators — they share the same inputs, so you can compare your debt-free date and total interest in minutes.