Free · no signup required
See exactly when
you'll be debt-free.
Add what you owe. We'll compare the snowball and avalanche methods side by side, and show you the real month you'll hit zero.
Snowball
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Avalanche
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Estimate only, not financial advice. Assumes your rates stay fixed and payments are made on time every month.
Your numbers are saved in this browser only.
Three steps to a payoff date
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01
List every debt
Cards, loans, lines of credit. Real balances, real rates, real minimums - no rounding to make the math feel better.
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02
Compare both methods
Snowball clears your smallest balance first, for quick wins. Avalanche clears your highest rate first, for the least total interest.
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03
Get your real date
Not a rough guess - the actual month you'll hit zero at your current extra payment, recalculated the instant you change a number.
Smallest balance first
Every extra dollar goes to your lowest balance, regardless of interest rate. Once it's gone, you roll that payment into the next smallest - like a snowball picking up size as it rolls downhill.
Best if you need visible progress to stay motivated
Highest rate first
Every extra dollar goes to your highest-interest debt first. Mathematically, this minimizes the total interest you pay before you're done - it just takes longer to feel it.
Best if you want to pay the least amount overall.
Want your payoff plan by email
We'll send your schedule, plus a nudge whenever it's worth increasing your payment.
No spam. One email when your plan is ready — check your spam folder if it doesn't show up in a few minutes.
A few questions
Is this actually free?
Yes. The calculator runs entirely in your browser - nothing is sent anywhere unless you choose to email yourself a plan.
Which method should I pick?
Avalanche saves more money in almost every case. Snowball can still be the better choice if early wins are what keep you paying extra at all - the best method is the one you'll actually stick to.
Does this account for changing interest rates?
Not yet - it assumes your current rates hold steady. Variable-rate cards and promotional periods will shift your real numbers, so treat as a close estimate, not a guarantee.