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Debt Payoff Planner

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Compare snowball vs avalanche strategies and build a month-by-month payoff plan

Free alternative to Undebt.it Pro / Tally ($12/yr / $5/mo)

Your Debts
%
%
%
$100.00
$0$500$1,000$1,500$2,000
Total minimum payments: $715.00/mo · Total with extra: $815.00/mo

Debt Payoff Planner

Avalanche Strategy Wins

$36,500.00 total debt across 3 accounts

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Total Interest (Avalanche)

$7,414.41

Total Interest (Snowball)

$7,414.41

Debt-Free In

7 years, 3 months

Interest Saved (Avalanche)

$0.00

Extra payment: $100.00/mo

Avalanche MethodWinner

Targets highest APR first — saves the most money

Total Interest

$7,414.41

Total Paid

$43,914.41

Months to Payoff

87

Debt-Free Date

Aug 2033

Snowball Method

Targets smallest balance first — quick psychological wins

Total Interest

$7,414.41

Total Paid

$43,914.41

Months to Payoff

87

Debt-Free Date

Aug 2033

Payoff Insights

ℹ️Both strategies cost the same in interest -- your rates are similar
→Adding $100.00/month extra saves 28 months (2 years, 4 months)
✓You'll be debt-free by Aug 2033 (7 years, 3 months)
ℹ️Total monthly minimum: $715.00 + $100.00 extra = $815.00/month total
Total Balance: Avalanche vs Snowball
Strategy Summary Comparison
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Frequently Asked Questions

What is the avalanche method?

Pay minimums on all debts, then put all extra money toward the highest-interest debt first. This minimizes total interest paid.

What is the snowball method?

Pay minimums on all debts, then put all extra money toward the smallest balance first. This gives psychological wins by eliminating debts quickly.

How much extra should I pay?

Even $50-100/month extra can save thousands in interest and years of payments. Use the slider to see exactly how much different amounts save.

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