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 (Sep, 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 (Feb, 2028) and save $67.81 in interest payments.

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

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