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

Compare Regular Vs. Avalanche
Regular Avalanche
# of Payments 40 33
Payoff Date May, 2029 Oct, 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 Feb, 2026 $390 $470 $300
2 Mar, 2026 $390 $470 $300
3 Apr, 2026 $390 $470 $300
4 May, 2026 $390 $470 $300
5 Jun, 2026 $390 $470 $300
6 Jul, 2026 $390 $470 $300
7 Aug, 2026 $390 $470 $300
8 Sep, 2026 $390 $470 $300
9 Oct, 2026 $390 $470 $300
10 Nov, 2026 $390 $470 $300
11 Dec, 2026 $390 $470 $300
12 Jan, 2027 $390 $470 $300
13 Feb, 2027 $390 $470 $300
14 Mar, 2027 $390 $470 $300
15 Apr, 2027 $390 $470 $300
16 May, 2027 $390 $470 $300
17 Jun, 2027 $390 $470 $300
18 Jul, 2027 $390 $470 $300
19 Aug, 2027 $390 $470 $300
20 Sep, 2027 $390 $470 $300
21 Oct, 2027 $390 $470 $300
22 Nov, 2027 $390 $470 $278.42
23 Dec, 2027 $390 $470 $0.00
24 Jan, 2028 $390 $470 $0.00
25 Feb, 2028 $390 $470 $0.00
26 Mar, 2028 $390 $470 $0.00
27 Apr, 2028 $104.86 $755.14 $0.00
28 May, 2028 $0.00 $860 $0.00
29 Jun, 2028 $0.00 $860 $0.00
30 Jul, 2028 $0.00 $860 $0.00
31 Aug, 2028 $0.00 $860 $0.00
32 Sep, 2028 $0.00 $860 $0.00
33 Oct, 2028 $0.00 $765.75 $0.00

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