Debt Snowball Calculator

Order up to 4 debts smallest-first and see your debt-free date with the snowball method.

Debt 1 name:

Debt 1 balance ($):

Debt 1 APR (%):

Debt 1 minimum ($):

Debt 2 name:

Debt 2 balance ($):

Debt 2 APR (%):

Debt 2 minimum ($):

Debt 3 name:

Debt 3 balance ($):

Debt 3 APR (%):

Debt 3 minimum ($):

Debt 4 name (optional):

Debt 4 balance ($):

Debt 4 APR (%):

Debt 4 minimum ($):

Extra payment per month ($):

How to use

Enter up to 4 debts with balances, rates, and minimums, plus your extra monthly payment, then click Calculate.

Snowball vs avalanche — which is better?

Snowball (smallest balance first) wins on motivation; avalanche (highest rate first) saves more interest. Both beat minimums-only.

How much extra should I pay?

Even $100-$200 extra per month on the target debt can cut years off your payoff.

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