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📅 Free Financial Tool

Debt
Payoff

Find the fastest way out of debt. Compare Avalanche vs Snowball strategies and see your debt-free date.

Your Debts
Name
Balance
Rate %
Min Pay
Payment Strategy
Extra Monthly Payment
$
Avalanche: Pay highest-interest debt first. Mathematically optimal — minimises total interest paid.
Debt-Free Analysis
Debt-Free Date
Calculating...
0 months
$0
Total Interest
$0
Interest Saved
$0
Total Debt
0 mo
Months Saved
Payoff Order
Strategy Comparison
Minimum Only
$0
Your Strategy
$0
💡
Avalanche vs Snowball: Avalanche saves the most money. Snowball (paying smallest balance first) provides psychological wins that keep you motivated. Choose based on your personality — the best strategy is the one you stick to.

Get a Personalised Debt Elimination Plan

Our financial coaches build step-by-step debt payoff roadmaps tailored to your income and lifestyle.

💬 Book Free Session →
💵 Speed up your payoff

Consolidate debt at a lower rate

If your debt interest rate is high, consolidating into a single lower-rate personal loan could save you thousands and get you debt-free faster.

Check Loan Rates → Free CreditKarma Check

ℹ Advertiser disclosure: TechsGenius may earn a referral fee when you click partner links.

How the debt payoff calculator works

Enter your current debt balance, interest rate (APR), and monthly payment to see exactly when you will be debt free and how much total interest you will pay. Add an extra monthly payment to see how much sooner you could clear the debt and how much interest you would save.

Avalanche vs snowball method — which pays off debt faster?

☍ Avalanche method
Pay minimums on all debts. Put every extra dollar toward the debt with the highest interest rate first. Mathematically optimal — saves the most money in interest overall.
❄ Snowball method
Pay minimums on all debts. Put every extra dollar toward the smallest balance first. Psychologically motivating — quick wins keep you on track. Costs slightly more in interest.

The true cost of minimum payments

On a $10,000 credit card balance at 22% APR, paying only the minimum (roughly $200/month) takes over 8 years to pay off and costs $9,400+ in interest — nearly doubling the original debt. Paying $400/month instead cuts the time to 3 years and saves over $6,000 in interest.

When consolidation makes sense

Debt consolidation combines multiple debts into one loan at a lower interest rate. It makes sense when you can qualify for a rate significantly lower than your current average, when you have multiple debts with different due dates causing confusion, and when you have a stable income and won't accumulate new debt. A personal loan at 12% replacing credit card debt at 22% can save thousands and simplify your finances considerably.

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Debt Consolidation Credit Card Payoff Net Worth Budget Planner