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Debt Avalanche Calculator
Add your debts and any extra you can pay each month. See your debt-free date, the exact order to attack them, and how much interest you save.
Your debts
On top of all the minimums.
Your payoff plan
How the avalanche works
The debt avalanche is the mathematically cheapest way out of debt: pay every minimum, then throw every spare dollar at your highest-APR debt. When it's gone, roll its whole payment into the next-highest. Interest is what makes debt expensive, so you kill the most expensive interest first.
Watch the 0% promo cards: when a 0% APR expires and jumps to 25%+, that debt should usually become your top target right before the jump. The full SalaryIQ planner models promo-expiry dates and your real paycheck cash flow — this calculator uses today's APRs.
Avalanche vs. snowball
Snowball pays smallest balances first for quick wins; avalanche pays highest APR first for the lowest total cost. Avalanche always saves more money — sometimes thousands.