Calculator
Debt payoff calculator
Pays the minimum on every debt, then sends extra money — including minimums from debts that are already gone — to one target. Avalanche picks the highest rate. Snowball picks the smallest balance.
Avalanche payoff
1 year and 6 months
Interest
$387.55
Total paid
$2,887.55
Snowball interest, for comparison
$483.40
How this is calculated
Each month, interest is round(balance in cents × APR ÷ 100 ÷ 12) cents, added to the balance, then payments are applied. The horizon stops at 600 months. If payments do not cover interest, the result says the balance can keep growing instead of inventing a payoff date.
The sample rows are an illustration so the comparison is visible. Replace them with statement balances, APRs, and minimums. The calculator does not include fees, taxes, or a change in the minimum as the balance falls. It is not a repayment agreement.