Debt Avalanche Calculator

Are you in debt? Use the debt avalanche calculator to calculate how long you can pay off your debt using the debt avalanche method.

Debt Avalanche Payoff Calculator
Debt # Balance ($) Interest Rate (%) Monthly Payment ($) Interest Cost # of Payments Left
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Extra Monthly Payment

You will pay off all your debts in 40 months (Jan, 2029) which will cost you $7,963.10 in total interest payments. If you follow the debt avalanche method, you can payoff all your debts in 33 months (Jun, 2028) and save $67.81 in interest payments.

Compare Regular Vs. Avalanche
Regular Avalanche
# of Payments 40 33
Payoff Date Jan, 2029 Jun, 2028
Principal $27,200.00 $27,200.00
Interest Payment $7,963.10 $7,895.29
Total Payment $35,163.10 $35,095.29
Total Savings $0.00 $67.81

Debt Avalanche Amortization Schedule
Payment # Date Debt #2 (20.5%) Debt #1 (19.5%) Debt #3 (19.5%)
1 Oct, 2025 $390 $470 $300
2 Nov, 2025 $390 $470 $300
3 Dec, 2025 $390 $470 $300
4 Jan, 2026 $390 $470 $300
5 Feb, 2026 $390 $470 $300
6 Mar, 2026 $390 $470 $300
7 Apr, 2026 $390 $470 $300
8 May, 2026 $390 $470 $300
9 Jun, 2026 $390 $470 $300
10 Jul, 2026 $390 $470 $300
11 Aug, 2026 $390 $470 $300
12 Sep, 2026 $390 $470 $300
13 Oct, 2026 $390 $470 $300
14 Nov, 2026 $390 $470 $300
15 Dec, 2026 $390 $470 $300
16 Jan, 2027 $390 $470 $300
17 Feb, 2027 $390 $470 $300
18 Mar, 2027 $390 $470 $300
19 Apr, 2027 $390 $470 $300
20 May, 2027 $390 $470 $300
21 Jun, 2027 $390 $470 $300
22 Jul, 2027 $390 $470 $278.42
23 Aug, 2027 $390 $470 $0.00
24 Sep, 2027 $390 $470 $0.00
25 Oct, 2027 $390 $470 $0.00
26 Nov, 2027 $390 $470 $0.00
27 Dec, 2027 $104.86 $755.14 $0.00
28 Jan, 2028 $0.00 $860 $0.00
29 Feb, 2028 $0.00 $860 $0.00
30 Mar, 2028 $0.00 $860 $0.00
31 Apr, 2028 $0.00 $860 $0.00
32 May, 2028 $0.00 $860 $0.00
33 Jun, 2028 $0.00 $765.75 $0.00

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