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 (Dec, 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 (May, 2028) and save $67.81 in interest payments.

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

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