Multi-debt planning tool
Model up to 20 debts, compare Avalanche, Snowball, and your own payoff order, then inspect every monthly payment and remaining balance.
Default debt payoff results are displayed.
Debt Avalanche plan
Debt-free by February 28, 2029
Based on the most recently calculated values and a fixed monthly debt budget.
Detailed strategy: Debt Avalanche.
Debt-free datei
February 28, 2029
Time to debt-freei
2 years 6 months
Exactly 30 months.
Starting debti
$39,000.00
Monthly debt budgeti
$1,475.00
Total interest paidi
$4,783.43
Total amount paidi
$43,783.43
Interest saved vs minimum paymentsi
$5,968.90
Months saved vs minimum paymentsi
26 months
Labels identify measured outcomes for this scenario; no strategy is universally best.
| Strategy | Payoff order | Debt-free date | Months | Interest | Total paid | Interest difference | Status |
|---|---|---|---|---|---|---|---|
| Debt Avalanche SelectedLowest interestFastest first payoff | Credit card → Personal loan → Auto loan | February 28, 2029 | 30 | $4,783.43 | $43,783.43 | $0.00 | Paid off |
| Debt Snowball Lowest interestFastest first payoff | Credit card → Personal loan → Auto loan | February 28, 2029 | 30 | $4,783.43 | $43,783.43 | $0.00 | Paid off |
| Custom order Lowest interestFastest first payoff | Credit card → Personal loan → Auto loan | February 28, 2029 | 30 | $4,783.43 | $43,783.43 | $0.00 | Paid off |
Expand a month to inspect every debt that was active at its beginning.
| Payment month | Beginning balance | Interest | Minimums | Strategy / rollover | Total payment | Ending balance | Cumulative interest |
|---|---|---|---|---|---|---|---|
September 2026Credit card: beginning $8,500.00; interest $162.85; payment $750.00; ending $7,912.85 Personal loan: beginning $12,000.00; interest $105.00; payment $300.00; ending $11,805.00 Auto loan: beginning $18,500.00; interest $96.35; payment $425.00; ending $18,171.35 | $39,000.00 | $364.20 | $975.00 | $500.00 | $1,475.00 | $37,889.20 | $364.20 |
October 2026Credit card: beginning $7,912.85; interest $151.60; payment $750.00; ending $7,314.44 Personal loan: beginning $11,805.00; interest $103.29; payment $300.00; ending $11,608.29 Auto loan: beginning $18,171.35; interest $94.64; payment $425.00; ending $17,841.00 | $37,889.20 | $349.53 | $975.00 | $500.00 | $1,475.00 | $36,763.73 | $713.73 |
November 2026Credit card: beginning $7,314.44; interest $140.13; payment $750.00; ending $6,704.58 Personal loan: beginning $11,608.29; interest $101.57; payment $300.00; ending $11,409.87 Auto loan: beginning $17,841.00; interest $92.92; payment $425.00; ending $17,508.92 | $36,763.73 | $334.63 | $975.00 | $500.00 | $1,475.00 | $35,623.36 | $1,048.36 |
December 2026Credit card: beginning $6,704.58; interest $128.45; payment $750.00; ending $6,083.02 Personal loan: beginning $11,409.87; interest $99.84; payment $300.00; ending $11,209.70 Auto loan: beginning $17,508.92; interest $91.19; payment $425.00; ending $17,175.11 | $35,623.36 | $319.48 | $975.00 | $500.00 | $1,475.00 | $34,467.84 | $1,367.84 |
January 2027Credit card: beginning $6,083.02; interest $116.54; payment $750.00; ending $5,449.56 Personal loan: beginning $11,209.70; interest $98.08; payment $300.00; ending $11,007.79 Auto loan: beginning $17,175.11; interest $89.45; payment $425.00; ending $16,839.56 | $34,467.84 | $304.08 | $975.00 | $500.00 | $1,475.00 | $33,296.92 | $1,671.92 |
February 2027Credit card: beginning $5,449.56; interest $104.40; payment $750.00; ending $4,803.97 Personal loan: beginning $11,007.79; interest $96.32; payment $300.00; ending $10,804.11 Auto loan: beginning $16,839.56; interest $87.71; payment $425.00; ending $16,502.27 | $33,296.92 | $288.43 | $975.00 | $500.00 | $1,475.00 | $32,110.35 | $1,960.35 |
March 2027Credit card: beginning $4,803.97; interest $92.04; payment $750.00; ending $4,146.01 Personal loan: beginning $10,804.11; interest $94.54; payment $300.00; ending $10,598.64 Auto loan: beginning $16,502.27; interest $85.95; payment $425.00; ending $16,163.22 | $32,110.35 | $272.52 | $975.00 | $500.00 | $1,475.00 | $30,907.87 | $2,232.87 |
April 2027Credit card: beginning $4,146.01; interest $79.43; payment $750.00; ending $3,475.44 Personal loan: beginning $10,598.64; interest $92.74; payment $300.00; ending $10,391.38 Auto loan: beginning $16,163.22; interest $84.18; payment $425.00; ending $15,822.40 | $30,907.87 | $256.35 | $975.00 | $500.00 | $1,475.00 | $29,689.22 | $2,489.22 |
May 2027Credit card: beginning $3,475.44; interest $66.58; payment $750.00; ending $2,792.02 Personal loan: beginning $10,391.38; interest $90.92; payment $300.00; ending $10,182.30 Auto loan: beginning $15,822.40; interest $82.41; payment $425.00; ending $15,479.81 | $29,689.22 | $239.92 | $975.00 | $500.00 | $1,475.00 | $28,454.14 | $2,729.14 |
June 2027Credit card: beginning $2,792.02; interest $53.49; payment $750.00; ending $2,095.51 Personal loan: beginning $10,182.30; interest $89.10; payment $300.00; ending $9,971.40 Auto loan: beginning $15,479.81; interest $80.62; payment $425.00; ending $15,135.44 | $28,454.14 | $223.21 | $975.00 | $500.00 | $1,475.00 | $27,202.34 | $2,952.34 |
July 2027Credit card: beginning $2,095.51; interest $40.15; payment $750.00; ending $1,385.66 Personal loan: beginning $9,971.40; interest $87.25; payment $300.00; ending $9,758.65 Auto loan: beginning $15,135.44; interest $78.83; payment $425.00; ending $14,789.27 | $27,202.34 | $206.23 | $975.00 | $500.00 | $1,475.00 | $25,933.57 | $3,158.57 |
August 2027Credit card: beginning $1,385.66; interest $26.55; payment $750.00; ending $662.20 Personal loan: beginning $9,758.65; interest $85.39; payment $300.00; ending $9,544.04 Auto loan: beginning $14,789.27; interest $77.03; payment $425.00; ending $14,441.29 | $25,933.57 | $188.96 | $975.00 | $500.00 | $1,475.00 | $24,647.53 | $3,347.53 |
Showing 12 of 30 calculated months.
Total remaining principal and accrued modeled interest after each payment. Diamond markers indicate debt closures.
Starting debt: $39,000.00. Remaining after the displayed horizon: $0.00.
Closures: Credit card in September 2027; Personal loan in July 2028; Auto loan in February 2029
Interest and time use separate labeled scales. Hatched time bars distinguish the measures beyond color.
Debt Avalanche: $4,783.43 interest; 30 months.
Debt Snowball: $4,783.43 interest; 30 months.
Custom order: $4,783.43 interest; 30 months.
Each month starts with the prior ending balance and adds APR divided by 12. Every active debt receives up to its required minimum first. Remaining money from the fixed debt budget follows the selected priority and moves immediately to the next debt when a target closes.
Avalanche prioritizes the highest APR and generally aims to reduce interest. Snowball prioritizes the smallest current balance and may produce an earlier visible payoff. Tie-breaks use APR, balance, and the stable original order so the schedule is deterministic.
Custom order lets you encode priorities that APR and balance cannot capture. Move debts with accessible buttons; the form rows stay in place. The custom scenario is always included in comparison, regardless of the strategy selected for detailed results.
Your monthly debt budget is fixed when you calculate. Once a debt closes, its former minimum remains available within that budget. This rollover accelerates the next active debt, including during the same month when a final payment leaves unused funds.
Aggregate rows show beginning debt, interest, minimum and strategy payments, ending debt, and cumulative interest. Expand only the months you need to audit debt-level values, and use Show more to reveal the schedule in 12-month groups.
The estimate uses fixed APRs and monthly interest. It excludes daily accrual, fees, changing minimums, promotional rates, payment timing, refinancing, and lender-specific allocation rules. Simulations stop after 1,200 months rather than presenting an unreliable date.
Debt Avalanche directs money above required minimums to the highest-APR debt, while Debt Snowball targets the smallest current balance. Both keep the same fixed monthly debt budget in this calculator.
Under each strategy, the total monthly debt budget stays fixed. A freed minimum payment therefore becomes rollover money that can be directed to the next active debt in the same or following month.
Yes. Use Move up and Move down in Custom payoff order. That order is calculated and compared even when Avalanche or Snowball is selected for the detailed results.
Lenders may compound interest daily, use statement-cycle timing, change required minimums, round transactions, or apply fees and payment-allocation rules that this fixed monthly model does not include.
The baseline pays only each debt's stated minimum, calculates every debt independently, and does not roll a paid-off debt's minimum into another debt. It is used only to estimate interest and months saved.
Simulations stop after 1,200 months. If payments do not overcome accruing interest within that horizon, the result reports the remaining balance and does not invent a debt-free date or savings estimate.
No. It models the balances, fixed APRs, minimum payments, extra payment, and payoff priority you enter. It does not model new loans, refinancing, promotional-rate changes, or prepayment penalties.