Free tool · nothing is sent anywhere
Snowball or avalanche? Your debt-free date
Put in what you owe and what you can pay each month. We show both methods side by side: when you'd be debt-free, how much interest each costs, and which debt to pay first.
Your plan
Avalanche · highest rate first
- Debt-free
- Oct 2029
- Total interest
- $5,117
Snowball · smallest balance first
- Debt-free
- Nov 2029
- Total interest
- $5,787
Avalanche saves $670 in interest. Snowball clears its first debt in month 6, against month 26 for avalanche; some people find that early win keeps them going.
Total balance, month by month
AvalancheSnowball
Avalanche order
- Rewards card paid off Dec 2028
- Travel card paid off Sep 2029
- Store card paid off Oct 2029
Snowball order
- Store card paid off Apr 2027
- Travel card paid off Aug 2028
- Rewards card paid off Nov 2029
An estimate: fixed rates, no new charges, payments on time, interest compounding monthly at APR ÷ 12.
Thinking about a loan instead?