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.
Processed entirely in your browser — nothing you enter here is ever uploaded.
Result
About this tool
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.
Example. One debt of 1000 at 0 percent APR with a minimum payment of 100 and no extra payment finishes in 10 months and 0 interest.
Limit. At most five debts are simulated, and a plan that is still open after 1200 months is reported as unfinished.