What is the debt avalanche method?

The debt avalanche targets the highest-interest debt first while paying minimums on others. It typically saves more in interest than the snowball method.

Debt Avalanche Calculator

Estimate payoff time using the debt avalanche method — pay off highest-rate debts first to minimize total interest.

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Debt 1 rate (%)

Debt 2 balance ($)

Debt 2 rate (%)

Combined minimum payment ($)

Extra monthly payment ($)

About This Calculator

The debt avalanche method targets your highest-interest debt first, minimizing total interest paid over time. It's mathematically optimal — if you can stay disciplined without the early wins of the snowball method, avalanche almost always saves more money.

Estimates only — not financial, tax, legal, or investment advice. Verify important results with a qualified professional before making decisions.

pay minimums on all debts; direct all extra toward highest-rate debt; when paid off, roll freed payment to next; months to debt-free = count periods until all balances = 0; total interest paid = sum of all monthly interest charges; total paid = sum of all payments made