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Debt Snowball Calculator

Pay off smallest balance first — payoff order with momentum-building wins.

Debt 1 NameBalance

APR (%)

Minimum Payment

Debt 2 NameBalance

APR (%)

Minimum Payment

Debt 3 NameBalance

APR (%)

Minimum Payment

Extra Payment (above minimums)

The 'snowball' applied to smallest debt first.

Snowball method (smallest balance first)

47 months

Years3.9

Total interest$5,064

vs Avalanche$0 more

Snowball gives faster psychological wins — first debt clears in months. Avalanche saves more money long-term.