Add your cards and loans to see when you'll be debt-free, how much interest you'll pay, and whether avalanche or snowball works better for you.
Strategy
You'll be debt-free in
2 yrs 6 mo
Each month the calculator adds interest, pays every minimum, then puts your extra money on one debt: the highest rate (avalanche) or the smallest balance (snowball). When a debt is paid off, its minimum rolls into the next one. Real card interest is charged daily and minimums can shrink as balances drop, so treat this as a close estimate.
All calculations happen in your browser. Nothing you enter is sent anywhere or saved.
Both pay every minimum and put extra money on one debt at a time. Avalanche targets the highest interest rate first, which saves the most money. Snowball targets the smallest balance first, which clears whole debts sooner and can keep you motivated.
Avalanche always costs the same or less in interest. Snowball can be worth a small extra cost if quick wins help you stick with the plan. This calculator shows the difference in dollars, so you can decide.
Credit card minimums are often just interest plus about 1% of the balance, so very little goes toward what you owe. Even a small extra payment each month can cut years off.
A 0% balance transfer or a lower-rate consolidation loan can help if the fees are small and you stop adding new debt. Run your debts at the new rate here to compare.