Debt Avalanche Calculator
The avalanche method sends every extra dollar to the debt with the highest interest rate. It is the math-optimal order and usually saves the most interest.
Results
How it works
Each month interest is added, minimums are paid, then the extra plus freed minimums go to the highest APR. Snowball and minimum-only runs are shown for comparison.
FAQ
How much does avalanche save?
It depends on the spread between your rates. The comparison table shows the interest difference for your own debts.
What if two debts have the same APR?
The smaller balance goes first.
Can I switch methods later?
Yes. Rerun the numbers any time with your current balances.
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Estimates, not tax or financial advice. Check important numbers with a qualified professional.