Debt Avalanche Calculator

List up to three debts and their minimums. The avalanche plan pays every minimum, sends extra money to the highest APR, and rolls freed payments forward.

Debt Avalanche Calculator

List up to three debts and their minimums. The avalanche plan pays every minimum, sends extra money to the highest APR, and rolls freed payments forward.

Method and assumptions

Figur applies standard payment, interest, or projection formulas to the values you enter. The calculation runs entirely in your browser.

Rates and contributions stay constant for the period unless the calculator says otherwise.
Taxes, insurance, fees, penalties, and lender-specific terms are excluded unless a field explicitly includes them.
Results are rounded estimates; a financial institution may use different rounding rules or payment dates.

This tool is for general information, not financial, tax, legal, or investment advice. Confirm important figures with the relevant institution or a qualified professional.

Sources and references

CFPB consumer tools

Frequently asked questions

How is this different from snowball?

Avalanche targets the highest interest rate first to minimize total interest.

Which saves more?

Avalanche usually costs less interest; snowball can feel more motivating.