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Debt Avalanche Calculator

Pay off debts from highest to lowest interest rate to minimize total interest paid. Currently calculating in US Dollar.

Your Debts
List all debts - they will be sorted by interest rate (highest first)

This amount goes to your highest interest debt first

Total Debt$14,500
Monthly Payment$730

Debt-Free In

25 mo

~3 years

Total Interest

$1,145

Interest Saved

$2,176

vs minimum only

vs Snowball

$298

extra saved

Your Avalanche Payoff Order
Attack highest interest rates first to save the most money
1
Store Card26.99% APRAttack First
Balance: $800Paid off: Month 3Interest: $33
2
Credit Card19.99% APR
Balance: $3,500Paid off: Month 12Interest: $436
3
Car Loan6.5% APR
Balance: $8,000Paid off: Month 25Interest: $676
4
Medical Bill0% APR
Balance: $2,200Paid off: Month 22Interest: $0
Interest Rate Comparison
Debts sorted by interest rate - attack the red bars first
Balance Over Time
Watch your total debt decrease with the avalanche method
Why the Avalanche Method Works

Maximum Math Efficiency

By targeting the highest interest rate first, you minimize the total interest paid over time. Every dollar goes to stopping the most expensive debt from growing.

Avalanche vs Snowball

The avalanche method saves $298 more than snowball in your case. Choose avalanche if you prioritize saving money over quick wins.

Best For

  • - Those motivated by saving money
  • - People with high-interest credit cards
  • - Disciplined budgeters who can stay the course

Pro Tips

  • - Try to negotiate lower interest rates
  • - Consider balance transfer cards for high-rate debt
  • - Automate payments to stay consistent