DebtMortgageStrategy
❄️ Debt Snowball & Avalanche Calculator
See the cascade effect of paying down debts one by one. Each payoff frees up cash flow that rolls into the next debt — accelerating your path to debt-free.
How the snowball works: Pay the minimum on every debt, then throw all extra cash at one target.
When that target is paid off, its minimum payment rolls into the next target — the snowball grows with each win.
The Avalanche variant targets the highest interest rate first, saving the most money overall.
Your debts
Name
Balance ($)
Rate (%)
Min. payment ($)
Amount above all minimums you can put toward debt
Total debt
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Debt-free in
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Total interest
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Payoff timeline
Each line is one debt. As lines hit zero, their freed payments accelerate the remaining debts.
Payoff order
| # | Debt | Balance | Rate | Paid off | Payment freed |
|---|