Debt Payoff Calculator
Runs locally in your browser. Nothing leaves your device.Compare avalanche, snowball and a custom order for up to 25 debts, including payoff time, interest and schedule.
Compare how payoff strategies affect your timeline and interest cost.
Your debt data stays on this device and is not stored in links.
Note: Always prioritize debts with legal consequences or a risk of losing essential property. A calculation is not debt advice.
Debts
Payoff plan
Highest interest first (avalanche)
Payoff time: 23 months
Total interest: €911.56
Smallest balance first (snowball)
Payoff time: 24 months
Total interest: €1,066.75
Minimum payments only
Payoff time: 49 months
Total interest: €1,944.25
Balance over time
How it works
- 1
Enter your debts
Enter the balance, interest rate, and minimum payment for each debt.
- 2
Choose a strategy
Choose Avalanche, Snowball, or a custom order, and set an extra payment.
- 3
Review the payoff plan
Review the duration, interest cost, and order of paid-off debts.
Good to know
The debt payoff calculator compares Avalanche (highest interest rate first), Snowball (smallest balance first), and a fully custom order for up to 25 debts at once, directly in your browser. An extra monthly payment is allocated across debts according to the chosen strategy.
Calculation runs locally in the browser. Important: always service debts with legal consequences or risk of losing essential property first — a calculation strategy does not replace debt counseling. Late fees, variable rates, and refinancing are not automatically included.
Typical use cases
Compare Avalanche and Snowball strategies
See directly which strategy costs less interest or delivers faster wins for your specific debts.
Assess the effect of an extra payment
Enable an extra monthly payment to see how much time and interest can be saved compared to minimum payments only.
Tips for better results
Always prioritize legally critical debts
Always service debts with legal consequences or risk of losing essential property first, regardless of the chosen calculation strategy.
Use a custom order for special situations
If neither Avalanche nor Snowball fits your situation, for example due to personal relationships with creditors, use the custom order.
Features
Three payoff strategies
Avalanche, Snowball, or a freely chosen custom order for up to 25 debts.
Comparison with minimum payments
See the interest savings compared to a scenario with minimum payments only.
Local and private
Your debt data stays on your device and is not stored in links.
Frequently asked questions
What's the difference between Avalanche and Snowball?
Avalanche pays off the debt with the highest interest rate first and usually saves the most interest; Snowball pays off the smallest balance first for faster wins.
Is my debt data uploaded?
No. Your data stays on this device and is not stored in links.
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