Debt Avalanche Calculator
Calculate how long it takes to pay off debt using the avalanche method (highest interest first). See months to payoff and total interest.
How to Use the Debt Avalanche Calculator
- Enter your total outstanding debt balance.
- Enter the amount you can pay each month.
- Enter the average annual interest rate on your debts.
Quick Reference
| From | To |
|---|---|
| $10,000 at 18%, $300/mo | ~44 months |
| $25,000 at 15%, $500/mo | ~72 months |
| $50,000 at 12%, $1,000/mo | ~66 months |
| $5,000 at 20%, $200/mo | ~32 months |
| Higher payment | Saves more interest |
Use Cases
- •Planning a debt repayment strategy to minimize interest.
- •Comparing avalanche vs snowball payoff timelines.
- •Motivating debt freedom by seeing the payoff date.
Formula
Months = −ln(1 − (Debt × r) / Payment) / ln(1 + r), where r = Annual Rate / 12 / 100.
Frequently Asked Questions
What is the debt avalanche method?
Pay minimums on all debts, then put extra money toward the highest-interest debt first — saving the most on interest.
Avalanche vs snowball?
Avalanche targets highest interest (saves more money), snowball targets smallest balance (psychological wins).
Is it free?
Yes, all calculators are completely free.