Tools
Debt payoff calculator
Avalanche sends extra money to the highest interest rate. Snowball sends it to the smallest balance. Both roll a finished payment into the next debt. If payments never cover interest, the calculator says the plan does not pay off.
Arc · Published September 18, 2026 · Updated September 18, 2026
Assumptions
- Avalanche targets the higher rate. Snowball targets the smaller balance.
- Finished minimums roll forward.
- Not a lender amortization schedule.
Months to payoff
14
Interest paid $668. Order: Higher rate, Other.
Enter up to three debts. Minimums should at least cover interest. This is a month-by-month estimate, not an amortization schedule from a lender.
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Pay off high-interest debt
A general order for balances that cost more than a reasonable investment return.
Educational estimate only. Not tax, legal, or investment advice, and not a prediction of what your accounts will do. Methodology