Live tool · runs in your browser
Debt Paydown Calculator
Punch in your actual debts — balances, APRs, minimum payments — and choose a monthly amount you can put toward debt. The calculator runs the avalanche method (highest APR first, minimises interest) against the snowball method (smallest balance first, maximises momentum) and shows you which one wins on time, money, and momentum for your specific numbers.
What it does
- Add as many debts as you have
- See payoff months for each method
- See total interest paid for each method
- Switch between methods to compare
- Everything runs in your browser — nothing leaves your device
Your debts
What you can put toward debt
The verdict
Avalanche
Highest APR first
Debt-free in
1 yr 11 mo
Total interest
£1,095
Total paid: £9,145
Snowball
Smallest balance first
Debt-free in
1 yr 11 mo
Total interest
£1,095
Total paid: £9,145
Plain English
In your case, both methods land in roughly the same place. Snowball is usually the easier one to stick with because you'll see a debt disappear sooner — pick that one.
Payoff order — avalanche method
- 01Store cardpaid off in 4 mo
- 02Credit cardpaid off in 1 yr 2 mo
- 03Personal loanpaid off in 1 yr 11 mo