Debt Payoff Planner

Compare snowball and avalanche debt payoff schedules.

Debt	Balance	APR %	Minimum	Actions

Total monthly amount

Must cover at least the sum of minimum payments.

One-time lump sum

Applied before the first month of interest.

Strategy

Both Snowball Avalanche

Snowball payoff

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Avalanche payoff

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Snowball interest: —
Avalanche interest: —
Difference: —

Snowball schedule

Month	Paid	Interest	Balance

Avalanche schedule

Month	Paid	Interest	Balance

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How this is calculated

Each month accrues interest at APR ÷ 12, pays every active debt's minimum, then routes the remaining budget to the focus debt. Snowball focuses the smallest balance; avalanche focuses the highest APR.

Freed minimums roll into the same monthly budget automatically. A one-time lump sum is applied before month one interest accrues.

How we choose and check our formulas