Debt Avalanche Calculator
The avalanche method targets your highest interest rate first — the mathematically optimal choice. See exactly how much money you'll save.
47
Months to payoff
$1,984
Total interest
$6,984
Total paid
Frequently Asked Questions
What is the debt avalanche method?+
The debt avalanche method means you pay off debts in order from highest interest rate to lowest. This is the mathematically optimal approach — it minimizes the total interest you pay over the life of all your debts.
How much money does avalanche save vs snowball?+
It depends on your debt mix. If you have debts at very different interest rates, avalanche can save thousands. If your rates are similar, the difference may only be a few hundred dollars.
Why doesn't everyone use the avalanche method?+
Because it requires patience. Your highest-rate debt might also have a large balance, meaning it takes months to see progress. Many people lose motivation and quit. The best method is whichever one you'll actually stick with.
Can I combine avalanche and snowball?+
Yes. Some people pay off one small debt first for a quick win (snowball), then switch to avalanche for the remaining debts. This hybrid approach gives you early motivation plus long-term savings.
Related Tools
Ready to build your debt-free plan?
Create a free account to track all your debts, compare strategies, and get AI-powered advice.
Start Free