How to use the Debt Avalanche Calculator
Enter the total debt balance and monthly payment and the result appears straight away. Everything runs in your browser, so nothing you type is uploaded.
How it works
Calculated from the inputs shown in this tool.
Examples
- 1,000 balance at 250 a month
Estimated months (interest excluded): 4
- 15,000 balance at 600 a month
Estimated months (interest excluded): 25
- 32,000 balance at 1,100 a month
Estimated months (interest excluded): 30
Limitations and assumptions
Confirm assumptions, units and applicable local rules before relying on results. Detailed content, accessibility and edge-case review remains ongoing.
Frequently asked questions
What is the debt avalanche method?
Pay the minimum on every debt, then send extra money to the debt with the highest interest rate.
Avalanche or snowball?
Avalanche saves the most interest; snowball gives faster small wins.
Is interest included?
No, so real payoff takes a little longer.
How do I speed it up?
Raise the monthly payment or add lump sums.