Debt Avalanche Calculator
Minimize total interest paid by targeting your highest-interest debt first.
Enter your numbers and select Calculate to see results.
About This Calculator
The debt avalanche method pays minimums on all debts while directing extra money toward the highest-APR balance first — mathematically minimizing total interest paid across all your debts. Enter up to three debts (leave balance at 0 to exclude a slot) and an extra monthly amount to see your payoff timeline.
How This Is Calculated
Order debts highest-APR-first; apply all minimums, then extra + freed-up minimums to the highest-rate active balance.
Two debts ($3,000 at 22% and $6,000 at 18%) with $100 extra minimizes interest by targeting the 22% balance first, even though it's smaller.
Assumptions
- Supports up to 3 debts; leave a balance at 0 to exclude that slot.
- Assumes fixed APRs and consistent minimum payments throughout.
Frequently Asked Questions
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Last updated January 15, 2026. Results are estimates for informational purposes only — read our disclaimer.