Debt Avalanche Calculator

List up to three debts and their minimums. The avalanche plan pays every minimum, sends extra money to the highest APR, and rolls freed payments forward. Calculate it clearly with Figur.

How the debt avalanche calculator works

List up to three debts and their minimums. The avalanche plan pays every minimum, sends extra money to the highest APR, and rolls freed payments forward.

Method and assumptions

Figur applies standard payment, interest, or projection formulas to the values you enter. The calculation runs entirely in your browser.

  • Rates and contributions stay constant for the period unless the calculator says otherwise.
  • Taxes, insurance, fees, penalties, and lender-specific terms are excluded unless a field explicitly includes them.
  • Results are rounded estimates; a financial institution may use different rounding rules or payment dates.

This tool is for general information, not financial, tax, legal, or investment advice. Confirm important figures with the relevant institution or a qualified professional.

Sources and references

No external rates or products are consulted: the calculator applies standard financial formulas only to the values you enter.

Worked example

$800 at 18% ($35 minimum), $3,200 at 24% ($110 minimum), and $8,000 at 8% ($180 minimum), plus $175 extra monthly.

Debt-free in 28 months, following Debt 2 → Debt 1 → Debt 3, with about $1,562.33 in interest.

Frequently asked questions

How is this different from snowball?

Avalanche targets the highest interest rate first to minimize total interest.

Which saves more?

Avalanche usually costs less interest; snowball can feel more motivating.

Related calculators