Debt payoff simulator

Avalanche vs snowball — months to debt-free and total interest when you pay a fixed extra amount on top of minimums.

Compare avalanche (highest rate first) vs snowball (smallest balance first) payoff: months to debt-free and total interest.

Fixed-rate simulation with monthly compounding. Runs in this browser.

How to use

  1. Add each debt with balance, rate, and minimum payment.
  2. Set the extra amount you can pay each month.
  3. Compare avalanche and snowball schedules.

What it supports

2–20 debts; monthly compounding at APR/12, paying each debt's minimum plus a fixed extra amount every month, up to 1,200 months. Card rate changes, fees, and new spending are not modeled.

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