Personal finance cluster
Compare snowball vs avalanche, see your debt-free month, and build a payoff plan that stays private in your browser.
100% in your browser. Nothing uploaded.
Shows the payment month, your focus debt, total interest, and remaining balance.
| Month | Date | Focus debt | Payment | Interest | Balance |
|---|---|---|---|---|---|
| Loading example plan… | |||||
Which debt falls first, and how much interest each balance absorbed before it disappeared.
| Debt | Paid off by | Interest paid |
|---|
The debt snowball method rolls every freed-up minimum payment into the next-smallest balance. That means you get earlier visible wins, fewer open accounts, and a payoff rhythm that feels easier to stick to. This calculator lets you compare that momentum-first approach with the debt avalanche method, which attacks the highest APR first to minimize interest.
All balances, APRs, and payoff calculations stay in this tab. We do not upload debt data, create an account, or ask for your email.
The debt snowball pays minimums on every debt, then sends any extra money to the smallest balance first. Once that balance is gone, its minimum payment rolls into the next target, making the monthly "snowball" larger over time.
Snowball prioritizes the smallest balance first to create faster wins. Avalanche prioritizes the highest APR first to reduce total interest faster. This calculator lets you compare both using the same debt list and extra budget.
No. Your balances, APRs, and payments stay in your browser. The only analytics on the page are generic page-use events, not the actual debt numbers you type.
The calculator uses monthly compounding with interest added before each payment. Real lenders may use daily accrual, different due dates, or fees, so treat the output as a planning model rather than a lender statement.
Yes. Use the Download CSV button to export the full monthly schedule, including the focus debt, total interest, and remaining balance.