Avalanche = attack the highest APR first; mathematically the cheapest payoff order.
Example: Highest-APR debt balance: $5,500 · Its APR: 27% · Its minimum payment: $120 · Extra you can pay monthly: $300 → Paid off in: 1 year, 4 months.
Interest paid: $1,089
Interest saved vs minimums only: huge — minimums never pay it off
Frequently asked questions
How do I calculate debt avalanche? Avalanche = attack the highest APR first; mathematically the cheapest payoff order. Enter your numbers above and the result updates instantly. For example: Highest-APR debt balance: $5,500 · Its APR: 27% · Its minimum payment: $120 · Extra you can pay monthly: $300 → Paid off in: 1 year, 4 months.
Is this Debt Avalanche Calculator free? Yes — completely free with no sign-up or paywall. It runs entirely in your browser and keeps working offline; the numbers you enter never leave your device.
How accurate is it? It uses the standard published formula for debt avalanche. Results are estimates for planning — not financial, tax, medical, engineering, or legal advice.