Find your debt-free date and see how much faster you can pay everything off using the debt snowball method—paying debts from smallest balance to largest, then rolling each payment into the next.
Add each debt with its current balance, APR, and minimum payment. Then choose an “extra payment” amount to accelerate payoff.
Disclaimer: This is an educational calculator. Results are estimates and depend on compounding conventions, timing of payments, and lender rules.
Month-by-month totals. (You can download as CSV for your records.)
| Month | Total payment | Interest | Principal | Remaining balance | Focus debt |
|---|---|---|---|---|---|
| No results yet. | |||||
Snowball prioritizes momentum (quick wins by balance size). Avalanche prioritizes math efficiency (highest APR first). If you’ll stick with it longer because you see faster wins, snowball can be the better system in real life.
No—ordering is based on smallest balance to largest, matching the snowball method. APR is still used to estimate interest each month.
Minimum payments are always paid first. The “focus” amount is the extra money (plus rolled payments) that gets applied to the smallest remaining balance debt.
No. The math runs in your browser. Nothing is saved to Beelinger servers in this template.