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Your Net Worth

Debt Payoff

Add your debts, set a monthly budget, and compare snowball vs avalanche side by side.

Scenarios

Your debts

Balance
APR %
Min payment
Balance
APR %
Min payment
Balance
APR %
Min payment
$600
$0$3,000

Minimum payments total $395. Anything above that attacks the priority debt.

Total debt remaining

Snowball Avalanche Minimums only
0y1y2y3y3y4y5y$0$2,000$4,000$6,000$8,000$10,000$12,000$14,000$16,000

Debt-free in

34 months

June 2029 with the avalanche method

Snowball

34 months

$4,257 interest · smallest balance first

Avalanche

34 months

$4,257 interest · highest APR first

Minimums only

68 months

$10,587 interest if you only pay the minimums

Interest saved

$6,329

avalanche vs minimums only

Payoff order (avalanche)

  1. 1.Store cardmonth 7
  2. 2.Credit cardmonth 25
  3. 3.Personal loanmonth 34

Not financial advice. The chart assumes fixed APRs, fixed minimum payments, and that you never miss a payment or add new borrowing. Real minimum payments usually fall as the balance falls, which stretches the timeline. Fixing your payment at today's level is exactly what this plan does. Your inputs stay in your browser.

Want to see the formulas, assumptions, and sources behind the numbers? Read the Debt Payoff methodology.