How it works

The avalanche method applies extra payments to the debt with the highest APR first. This usually reduces total interest paid. Want the “motivation-first” approach instead? Try Debt Snowball.

Calculator

Add your debts (balance, APR, minimum payment) and your total monthly payment budget to estimate payoff time and interest. If the calculator doesn’t load, refresh the page or enable JavaScript.

Related decisions

Compare payoff methods and scenarios. Small changes in strategy or monthly budget can change the timeline a lot.

Debt Snowball Calculator
Smallest balance first — best for momentum and quick wins.
Credit Card Payoff Calculator
Single-card payoff date + total interest. Test extra payments.
Extra payment scenarios
See how +$25 / +$50 / +$100 changes payoff time.
Debt Payoff Hub
All debt tools and quick guides in one place.
Reminder: Educational only — not financial advice. Lenders may differ due to fees, timing, or rounding rules.

FAQ

Quick answers about avalanche payoff plans.

Is avalanche always the cheapest option?

Usually, yes — avalanche typically minimizes interest paid. The best method is the one you’ll actually follow consistently.

Does this include new purchases or fees?

No. It assumes you stop adding new charges and doesn’t include fees unless your lender adds them.