Debt Avalanche Calculator

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Planning estimate only — not financial or tax advice. Consult a qualified professional for personal decisions. Avalanche strategy — highest APR first, plus extra payment.

Rates last reviewed: July 2026

Up to 3 debts

Same inputs as snowball — priority order differs (highest APR first).

Debt 1 nameDebt 1 balance ($)Debt 1 APR (%)Debt 1 minimum ($)Debt 2 nameDebt 2 balance ($)Debt 2 APR (%)Debt 2 minimum ($)Debt 3 nameDebt 3 balance ($)Debt 3 APR (%)Debt 3 minimum ($)Extra monthly payment ($)

Debt-free in

25 months

Interest: $1,053.49 · Order: Card B → Card A → Loan

Total interest: $1,053.49

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Debt avalanche method

The avalanche method pays minimums on all debts, then applies extra money to the highest APR balance. When that debt is paid off, extra flows to the next-highest rate.

Avalanche typically minimizes total interest paid versus snowball, though the first payoff may take longer if the highest-rate debt is also the largest.

Example: same three debts with $200 extra/month — avalanche targets the 18% card before the 9% loan, often saving interest versus snowball.

Official sources

Rates and formulas in this calculator are based on the documentation below. Platforms change fees — confirm current numbers before pricing or payouts.

CFPB — Saving and budgeting

Common questions

Which method saves more money?

Avalanche usually minimizes interest. Snowball may feel faster when the smallest balance disappears first.

Can I switch strategies later?

Yes. These are planning models — the important part is consistent extra payments above minimums.