Enter what you owe and what you can pay each month. You'll get the exact month you're debt-free — and what the avalanche method would do instead. Nothing leaves your browser.
Snowball pays the smallest balance first — the method most people actually finish. Avalanche pays the highest APR first and costs less interest. We'll show you both.
This page does the math once. Snowballer keeps it — log a payment and watch the date roll closer, get a nudge before every due date, and see what an extra $25 a month is really worth.
Download on theApp StoreYou pay the minimum on every debt, and put every spare dollar at the smallest balance. When it's gone, its payment rolls onto the next smallest — so the amount attacking your debt grows each time one dies, like a snowball. Dave Ramsey popularised it, but the idea is older than that.
It is not the cheapest method on paper. It's the one people finish, because a debt disappearing early is proof the plan works.
Avalanche attacks the highest APR first. It always costs less interest — sometimes a lot less — but the first win can be a year away, which is why people quit. This calculator computes both so you can see what the difference actually costs you. If avalanche saves you $80, take the snowball and the momentum. If it saves you $3,000, that's a different conversation.
Some cards' minimums are less than the monthly interest — the balance grows even when you pay on time. The calculator says so plainly instead of returning a date that will never happen. If you see that, the fix is a higher payment or a lower APR (a balance-transfer offer or a call asking for a rate reduction), not a different payoff order.
Yes, literally — the page loads the same payoff engine that ships inside Snowballer, compiled for the browser. The date you see here is the date the app will show you, to the month. The app adds the part a calculator can't: it remembers, updates as you log payments, and reminds you before due dates.
There's a free debt snowball spreadsheet that runs this same math in Excel, Numbers or Google Sheets. No email, no signup — download it and it's yours. Handy if you want the month-by-month schedule in front of you, or you'd rather work offline.
Everything runs in your browser. Nothing you type is sent anywhere, stored, or logged — there's no account and no server to send it to.