Assumptions
- The strategy budget equals starting minimum payments plus the Shared Extra Payment.
- Entered APRs remain constant for the full estimate.
- No new balances, fees, missed payments, or account changes occur.
Debt avalanche calculator
Calculate your debt avalanche payoff order
Debt Avalanche directs available extra money to the active debt with the highest APR while maintaining required payments on other debts. Enter your portfolio to estimate the resulting order, date, and interest.
Private by design
Your financial values stay in this browser.
No account required
No signup, bank connection, or credit pull.
Deterministic math
The same inputs produce the same estimate.
Calculate locally
Build your Debt Avalanche
Enter each debt and the Shared Extra Payment available above required minimums to model a highest-APR-first payoff.
Debt avalanche calculator
Build your avalanche payoff plan
Start with three debts. The avalanche targets the highest remaining APR first.
Understand the output
Your Debt Avalanche timeline
Results prioritize estimated interest, payoff date, actual Payoff Order, First-Debt Milestone, and the monthly portfolio schedule.
Methodology and limits
How this calculator estimates payoff
Each month, active debts keep their required payments while remaining strategy money targets the highest entered APR.
Paid-debt money rolls to another eligible debt. Equal APRs preserve original entry order, and final payments are capped at the amount due.
Limitations
- The model does not predict future variable rates or issuer payment changes.
- Daily lender interest and payment timing can change actual totals.
Methodology reviewed August 26, 2026. Results are educational planning estimates, not financial advice or lender payoff quotes.
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