Simulate a debt payoff order
Snowball clears the smallest balance first; avalanche clears the highest rate first. The simulation shows both, month by month.
How Debt Snowball Calculator works
The formula is applied to the figures you enter and the result is printed with its own working. No account, no credit check and no third party is asked to approve the sum. Entering a salary or a debt here is the same as writing it on paper: it exists only on your screen.
That is the whole architecture: static files, one script, no upload endpoint to leak or log. Close the tab and the work is gone.
Good to know
- Works offline once loaded, including on flights and in locked-down networks.
- No file size limit beyond your device's own memory.
- Free to use, with no account and no usage counter.
- Results are produced locally, so they are not logged or shared with anyone.
Questions
Which strategy is better?
Avalanche always pays less interest, because it attacks the most expensive money first. Snowball clears balances sooner in sequence, which some people find easier to keep up. The tool shows the difference in months and interest so you can choose.
How is interest calculated?
Balance × APR / 12 each month, which is how most cards quote it. Real statements use daily balances, so expect small differences.
Why does my debt never clear?
If the minimum payment is below the monthly interest, the balance grows. The simulation runs to 50 years and then says so, which is usually a sign the minimum needs renegotiating.
Is this financial advice?
No. It is arithmetic on the numbers you type. The terms on your statements and the advice of a regulated adviser both take precedence.
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