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Debt Avalanche Calculator

Pay off highest APR first — math-optimal payoff order saves the most interest.

Debt 1 NameBalance

APR (%)

Minimum Payment

Debt 2 NameBalance

APR (%)

Minimum Payment

Debt 3 NameBalance

APR (%)

Minimum Payment

Extra Payment (above minimums)

The avalanche applied to highest-APR debt first.

Avalanche method (highest APR first)

47 months

Years3.9

Total interest$5,064

vs Snowball$0 saved

Mathematically optimal — pays the least interest. Snowball is psychologically easier; avalanche is dollar-optimal.