Debt Snowball Calculator
Your debt-free date, method by method.
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Your Results
Debt-free in1 yrs 10 mo
Total interest paid$1,538.83
MethodSnowball
Snowball pays smallest balances first (momentum); avalanche pays highest APR first (least interest). Both use every freed minimum toward the next debt.
Frequently Asked Questions
Snowball or avalanche — which is better?
Avalanche saves the most money; snowball keeps you motivated. Studies show both work — the best method is the one you'll actually stick with.
Should my monthly budget exceed the minimums?
Yes — the gap between your budget and total minimums is what accelerates payoff. Every extra dollar goes to the current target debt.
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