YOUR DEBT COSTS YOU DAILY AVALANCHE = LESS INTEREST SNOWBALL = MOMENTUM COMPOUND INTEREST FRIEND OR FOE EXTRA $100/MO SAVES THOUSANDS HIGHEST APR FIRST TARGET DEBT FREE IS THE GOAL YOUR MINIMUMS BARELY COVER INTEREST YOUR DEBT COSTS YOU DAILY AVALANCHE = LESS INTEREST SNOWBALL = MOMENTUM COMPOUND INTEREST FRIEND OR FOE EXTRA $100/MO SAVES THOUSANDS HIGHEST APR FIRST TARGET DEBT FREE IS THE GOAL YOUR MINIMUMS BARELY COVER INTEREST
MaxDoesFinance / Resources / Debt Payoff Calculator
MaxDoesFinance · Resources

DEBT
PAYOFF
CALCULATOR

AVALANCHE VS. SNOWBALL
EXACT DOLLAR DIFFERENCE
FREE · NO SIGNUP REQUIRED
"The best time to start
was yesterday."
Enter your debts. See exactly what each strategy costs. Download your results.
Your Debts
Creditor
Balance ($)
APR (%)
Min / Mo ($)
Additional Monthly Payment
$
Extra cash beyond all minimums each month. Even $50 more makes a significant difference over time.
How Each Strategy Works
Avalanche
Target the highest APR first. Every extra dollar attacks your most expensive debt — mathematically optimal, saves the most in interest.
Snowball
Target the smallest balance first. Smaller debts disappear quickly, building momentum — works well for motivation.
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