Strategize your way out of debt smartly. Our Debt Avalanche Optimizer helps you pay off high-interest debts first, saving money and reaching financial freedom faster.
The Debt Avalanche method is a debt repayment strategy that can save you money and help you become debt-free faster.
Enter all your debts with their current balances, interest rates, and minimum payments.
Decide how much you can afford to pay toward your debts each month (at least the sum of all minimum payments).
The calculator will show you the optimal order to pay off your debts, focusing on highest interest rate first.
Debt Avalanche: Pay minimum on all debts, then put extra money toward the highest interest debt. This saves the most money overall.
Debt Snowball: Pay minimum on all debts, then put extra money toward the smallest balance debt. This gives psychological wins faster.