Debt Payoff Calculator

Plan your payoff with Snowball or Avalanche, add extra payments, and see exactly when you'll be debt-free.


This amount will be added to your budget each month.
Enter the month number (1 = first month) when the lump sum should be applied.
Enter the snowflake amount.
Month number (1 = first month).
Add small, one-off payments you make. They will be applied in the specified month.
Enter the month number (1 = first month) for which you want to skip all payments (interest still accrues).
Enter the annual interest rate if considering consolidating ALL debts into one loan.
Enter the desired loan term in months (required if rate is entered).

Why Use This Calculator?

  • See your exact debt-free date
  • Compare Snowball vs. Avalanche
  • Estimate total interest savings
  • Visualize your payoff plan
Your financial data stays local & private. Learn More

Debt #1

Enter a new rate if this debt's rate changes.
Enter the month number (1 = first month) when the interest rate changes.

Note: Saved plans are stored in this desktop/mobile browser only and cannot be accessed on other devices. If you access this website on other devices you have to re-enter the data.

Success Stories

Jessica's Snowball Triumph

"I had $12,000 spread across three credit cards and felt overwhelmed. Using the Snowball method, I paid off the smallest balance of $1,500 in just 3 months! That quick win motivated me to tackle the rest, and I was debt-free in 14 months—saving $800 in interest along the way!"

David's Avalanche Victory

"With $35,000 in student loans at interest rates as high as 9%, I chose the Avalanche method to minimize costs. By focusing on the highest interest debt first, I saved $4,200 in interest and paid off everything in 3 years. Seeing the savings laid out really kept me on track!"

Linda's Hybrid Success (with Snowflakes!)

"I owed $20,000 across a car loan and medical bills. I started with the Snowball method for motivation, then switched to Avalanche for my high-interest car loan. I also used the 'Snowflake' feature whenever I had extra cash from side gigs. These small bits added up, helping me become debt-free in under 2 years and saving over $1,600 in interest!"

Educational Resources & Tips

Quick Tips