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Debt Snowball vs. Avalanche Payoff Calculator
Enter your balances, interest rates, and minimum payments below to see how much faster you can become debt-free—powered by the exact amortization engine inside rMoney.
Your Liabilities
Extra Monthly Payoff Budget:
+$250 / mo
$0/mo
+$500/mo
+$1,000/mo
+$1,500/mo
Debt Avalanche
Highest APR First
Debt-Free Timeline
31 mos
Total Interest Paid:
$3,412
Interest Saved vs. Min:
+$2,840
Debt Snowball
Smallest Balance First
Debt-Free Timeline
32 mos
Total Interest Paid:
$3,590
1st Debt Eliminated:
Month 11
Save & Automate Your Payoff Plan Offline
Want to link this payoff plan to your real checking & budget trajectory?
Download rMoney to track your real balances 100% offline, simulate how extra debt payments impact your 365-day checking account buffer, and export full month-by-month CSV amortization schedules.