Debt Snowball Calculator
See your exact debt-free date using the snowball method — smallest balance first — with the avalanche method compared automatically.
Quick answer
The debt snowball method pays your smallest balance first while covering minimums on everything else. Enter your cards below and the calculator shows your snowball debt-free date and total interest — plus the avalanche result side by side, so you can see the exact tradeoff before you commit to an order.
Your cards
Monthly budget
Fastest debt-free date
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Using the recommended method
Months to freedom
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Total interest paid
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Snowball
Smallest balance first
- Debt-free
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- Months
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- Interest
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Avalanche
Highest APR first
- Debt-free
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- Months
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- Interest
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Balance over time
Frequently asked questions
How does this snowball calculator work?
Enter each card's balance, APR, and minimum payment, plus your total monthly budget. The calculator pays every minimum, then puts all remaining budget toward your smallest balance first — rolling each paid-off card's minimum into the next one — and shows your debt-free date and total interest.
Does this calculator also show the avalanche method?
Yes — it computes both the snowball and avalanche methods side by side automatically, so you can see exactly how much time or interest the alternative order would save before deciding.
Is the snowball calculator free?
Yes, completely free, with no signup and no email required. Nothing you enter is sent to a server — every calculation runs in your browser.
Can I add an extra payment to see how much sooner I'd be debt-free?
Yes — the extra payment field shows the new debt-free date immediately, so you can see exactly how much a bigger monthly payment actually saves.
Related: how the snowball method works,the avalanche calculator, andsnowball vs avalanche, compared.