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Debt Payoff Lab
Avalanche plan selected
Snowball vs Avalanche
Compare payoff strategies, see your debt-free date, and choose the plan that keeps momentum high.
Budget:
Monthly Expenses
Created On:
August 7, 2026
Starting Month:
August 2026
Enter Your Debts
Minimum Only
Pay only minimum payments on all debts
Payoff Time:
66 months
(5 years & 6 months)
(5 years & 6 months)
Total Interest:
$3,645.64
Total Paid:
$34,215.64
Credit Card A23mo
Student Loan66mo
Auto Loan27mo
Snowball Method
Pay off smallest debts first for quick wins and motivation
Payoff Time:
10 months
Total Interest:
$560.70
Total Paid:
$31,130.70
Savings vs Minimum:
$3,084.94
Time Saved:
56 months
(4 years & 8 months)
(4 years & 8 months)
Credit Card A2mo
Student Loan10mo done
Auto Loan5mo
Avalanche Method
Pay off highest interest debts first to minimize interest paid
Payoff Time:
10 months
Total Interest:
$513.00
Total Paid:
$31,083.00
Savings vs Minimum:
$3,132.64
Time Saved:
56 months
(4 years & 8 months)
(4 years & 8 months)
Credit Card A2mo
Student Loan7mo
Auto Loan10mo done
Your Debt-Free Journey with Avalanche Method
June 2027
All debts 100% paid off
297 days from today
Interest Saved
$3,133
vs. minimum payments only
Time Saved
4yr 8mo
earlier debt-free date
Efficiency
85%
faster than minimum
Extra Payment
$2,480
per month accelerates payoff
Debt Color Legend
Credit Card A
Student Loan
Auto Loan
Method Comparison
Detailed Payoff Schedule - Avalanche Method
| Month | Debt | Start Balance | Interest Rate | Min Payment | Extra Payment | Total Payment | Interest | Remaining |
|---|---|---|---|---|---|---|---|---|
| Aug 2026 | Credit Card A | $2,800.00 | 19.99 | $150.00 | $2,480.00 | $2,630.00 | $2.83 | $170.00 |
| Aug 2026 | Student Loan | $17,055.00 | 5.50 | $300.00 | $0.00 | $300.00 | $76.79 | $16,755.00 |
| Aug 2026 | Auto Loan | $10,715.00 | 4.25 | $425.00 | $0.00 | $425.00 | $36.44 | $10,290.00 |
| Sep 2026 | Credit Card A | $172.83 | 19.99 | $150.00 | $22.83 | $172.83 | $0.00 | $0.00 |
| Sep 2026 | Student Loan | $16,831.79 | 5.50 | $300.00 | $2,457.17 | $2,757.17 | $64.51 | $14,074.63 |
| Sep 2026 | Auto Loan | $10,326.44 | 4.25 | $425.00 | $0.00 | $425.00 | $35.07 | $9,901.44 |
| Oct 2026 | Student Loan | $14,139.13 | 5.50 | $300.00 | $2,630.00 | $2,930.00 | $51.38 | $11,209.13 |
| Oct 2026 | Auto Loan | $9,936.51 | 4.25 | $425.00 | $0.00 | $425.00 | $33.69 | $9,511.51 |
| Nov 2026 | Student Loan | $11,260.51 | 5.50 | $300.00 | $2,630.00 | $2,930.00 | $38.18 | $8,330.51 |
| Nov 2026 | Auto Loan | $9,545.20 | 4.25 | $425.00 | $0.00 | $425.00 | $32.30 | $9,120.20 |
| Dec 2026 | Student Loan | $8,368.69 | 5.50 | $300.00 | $2,630.00 | $2,930.00 | $24.93 | $5,438.69 |
| Dec 2026 | Auto Loan | $9,152.50 | 4.25 | $425.00 | $0.00 | $425.00 | $30.91 | $8,727.50 |
| Jan 2027 | Student Loan | $5,463.62 | 5.50 | $300.00 | $2,630.00 | $2,930.00 | $11.61 | $2,533.62 |
| Jan 2027 | Auto Loan | $8,758.41 | 4.25 | $425.00 | $0.00 | $425.00 | $29.51 | $8,333.41 |
| Feb 2027 | Student Loan | $2,545.23 | 5.50 | $300.00 | $2,245.23 | $2,545.23 | $0.00 | $0.00 |
| Feb 2027 | Auto Loan | $8,362.92 | 4.25 | $425.00 | $384.77 | $809.77 | $26.75 | $7,553.15 |
| Mar 2027 | Auto Loan | $7,579.90 | 4.25 | $425.00 | $2,930.00 | $3,355.00 | $14.96 | $4,224.90 |
| Apr 2027 | Auto Loan | $4,239.87 | 4.25 | $425.00 | $2,930.00 | $3,355.00 | $3.13 | $884.87 |
| May 2027 | Auto Loan | $888.00 | 4.25 | $425.00 | $463.00 | $888.00 | $0.00 | $0.00 |
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