Debt Avalanche Planner
Plan debt payoff by highest interest first.
Pay the priciest debt first
The avalanche method targets the highest-APR debt first while paying minimums on the rest, which minimises total interest. This orders your debts by rate and shows the payoff path.
Both methods use the same total payment; the avalanche just directs the extra to the costliest debt first, which is why it always wins on pure interest saved.
Math vs motivation
Avalanche saves the most money; the snowball method can feel more motivating. The balances you enter never leave your browser.
Frequently asked questions
How does the avalanche order my debts?
Highest APR first. Every dollar of your monthly budget goes to the most expensive debt until it is paid off, then rolls to the next highest rate, which minimizes total interest.
What are the base and extra payment fields?
Base payment is what you already pay across all debts each month, and extra is the additional amount you can add. Together they form the monthly budget the plan spends.
What does the plan assume?
That interest compounds monthly, no new charges are added, and the whole budget goes to one debt at a time. In practice you must still pay each card's minimum, which shifts the dates slightly.
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