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Debt Avalanche Calculator: Highest APR First

Plan how up to five debts get paid off with the snowball or avalanche strategy: debt-free date, total interest, payoff order and the savings between the two.

Debt 1

Debt 2

Debt 3

Debt 4

Debt 5

Fill in only the debts you have — untouched rows are ignored. Amounts are plain numbers and work with any currency.

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Reading the debt list
Simulating the monthly payments
Comparing snowball and avalanche

Result

This page opens the debt payoff calculator with the avalanche strategy preselected: every debt gets its minimum payment, and all extra money attacks the debt with the highest interest rate.

The avalanche method is the mathematically cheapest order. Interest accrues fastest on the highest-APR balance, so removing it first shrinks the total interest of the entire plan; each closed debt then frees its minimum payment for the next-highest rate. The calculator quietly runs the snowball order too and prints exactly how much the avalanche saves on your numbers.

You get the debt-free month, the total interest and the payoff order, simulated payment by payment in your browser — your balances never leave your device.

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Executed in Browser

Your files and inputs never leave this device. Processing runs completely offline. 100% Secure.

Accepted Formats & Rules

  • Up to five debts, each with an optional name, balance, APR and minimum monthly payment.
  • Month-by-month simulation: interest = balance × APR/12, minimums to every debt, extra money and freed-up minimums to the target debt.
  • Snowball (smallest balance first) and avalanche (highest APR first) strategies with a payoff order list.
  • Honest guard: a minimum payment that does not cover the monthly interest is reported as never paying off.

Key Benefits

✓ See the month you become debt-free instead of guessing — the whole plan is simulated payment by payment.
✓ Snowball and avalanche are both computed on every run, so the interest difference between them is always shown.
✓ Balances and payments are plain numbers in any currency, and nothing about your debts leaves the browser.

Use Cases

  • • See the exact month a stack of credit cards and loans reaches zero with your current payments.
  • • Decide between the snowball and avalanche order by the interest difference on your real balances.
  • • Check what an extra monthly payment does to the debt-free date and the total interest.
  • • Test whether a card's minimum payment actually covers its monthly interest — or keeps the debt alive forever.