Debt Payoff (Snowball) Calculator
See how quickly you can become debt-free and how much interest you'll pay based on your monthly payment.
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Snowball vs avalanche
The snowball method pays the smallest balance first for motivation. The avalanche method targets the highest APR first to minimise interest. Either way, adding to your monthly payment is the biggest lever.
Estimates only — not financial advice.
FAQ
What is the snowball method?
Paying the smallest balance first, then rolling that payment forward.
Do extra payments help?
Yes — they cut interest and payoff time.