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 (Nov, 2028) 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 (Apr, 2028) and save $67.81 in interest payments.

Compare Regular Vs. Avalanche
Regular Avalanche
# of Payments 40 33
Payoff Date Nov, 2028 Apr, 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 Aug, 2025 $390 $470 $300
2 Sep, 2025 $390 $470 $300
3 Oct, 2025 $390 $470 $300
4 Nov, 2025 $390 $470 $300
5 Dec, 2025 $390 $470 $300
6 Jan, 2026 $390 $470 $300
7 Feb, 2026 $390 $470 $300
8 Mar, 2026 $390 $470 $300
9 Apr, 2026 $390 $470 $300
10 May, 2026 $390 $470 $300
11 Jun, 2026 $390 $470 $300
12 Jul, 2026 $390 $470 $300
13 Aug, 2026 $390 $470 $300
14 Sep, 2026 $390 $470 $300
15 Oct, 2026 $390 $470 $300
16 Nov, 2026 $390 $470 $300
17 Dec, 2026 $390 $470 $300
18 Jan, 2027 $390 $470 $300
19 Feb, 2027 $390 $470 $300
20 Mar, 2027 $390 $470 $300
21 Apr, 2027 $390 $470 $300
22 May, 2027 $390 $470 $278.42
23 Jun, 2027 $390 $470 $0.00
24 Jul, 2027 $390 $470 $0.00
25 Aug, 2027 $390 $470 $0.00
26 Sep, 2027 $390 $470 $0.00
27 Oct, 2027 $104.86 $755.14 $0.00
28 Nov, 2027 $0.00 $860 $0.00
29 Dec, 2027 $0.00 $860 $0.00
30 Jan, 2028 $0.00 $860 $0.00
31 Feb, 2028 $0.00 $860 $0.00
32 Mar, 2028 $0.00 $860 $0.00
33 Apr, 2028 $0.00 $765.75 $0.00

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