Rex says
Money math without the spreadsheet headache. Plug in your numbers and I'll show you exactly where the dollars land.
Try a scenario
Click to load — tweak from there.Inputs
Result
Avalanche saves you
$0
Snowball payoff
38
Snowball interest
$3,834
Avalanche payoff
38
Avalanche interest
$3,834
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One click, a permanent link with your numbers baked in.
How to use this
- 1Enter debt 1 balance ($).
- 2Enter debt 1 apr (%).
- 3Enter debt 2 balance ($).
- 4Enter debt 2 apr (%).
- 5Enter debt 3 balance ($).
- 6Enter debt 3 apr (%).
- 7Enter total monthly budget ($).
- 8Read your avalanche saves you on the right — it updates as you type.
- 9Hit Share to keep the scenario or send it to someone.
About this calculator
The snowball method pays the smallest balance first for momentum; the avalanche method pays the highest rate first for maths. Avalanche always costs less in interest — this shows by how much, so you can decide whether the motivation is worth the premium.
Worked example
Using the values the calculator loads with:
Inputs
- Debt 1 balance: 1800 $
- Debt 1 APR: 24 %
- Debt 2 balance: 6400 $
- Debt 2 APR: 18 %
- Debt 3 balance: 14000 $
- Debt 3 APR: 9 %
- Total monthly budget: 700 $
Results
- Avalanche saves you: $0.00
- Snowball payoff: 38
- Snowball interest: $3,834.10
- Avalanche payoff: 38
- Avalanche interest: $3,834.10
What each field means
Inputs
- Debt 1 balance ($)
- The debt 1 balance used in the calculation, measured in $. Starts at 1800 $ so you have a working example on load.
- Debt 1 APR (%)
- The debt 1 apr used in the calculation, measured in %. Starts at 24 % so you have a working example on load.
- Debt 2 balance ($)
- The debt 2 balance used in the calculation, measured in $. Starts at 6400 $ so you have a working example on load.
- Debt 2 APR (%)
- The debt 2 apr used in the calculation, measured in %. Starts at 18 % so you have a working example on load.
- Debt 3 balance ($)
- The debt 3 balance used in the calculation, measured in $. Starts at 14000 $ so you have a working example on load.
- Debt 3 APR (%)
- The debt 3 apr used in the calculation, measured in %. Starts at 9 % so you have a working example on load.
- Total monthly budget ($)
- The total monthly budget used in the calculation, measured in $. Starts at 700 $ so you have a working example on load.
Results
- Avalanche saves you
- Returned as a money amount in US dollars and shown as the headline result. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Snowball payoff
- Returned as a length of time. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Snowball interest
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Avalanche payoff
- Returned as a length of time. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Avalanche interest
- Returned as a money amount in US dollars. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
FAQ
How does the debt snowball calculator work?
The snowball method pays the smallest balance first for momentum; the avalanche method pays the highest rate first for maths. Avalanche always costs less in interest — this shows by how much, so you can decide whether the motivation is worth the premium. The underlying maths is: Both methods roll each cleared debt's payment into the next debt in the chosen order.
What do I need to enter?
7 values: debt 1 balance, debt 1 apr, debt 2 balance, debt 2 apr, debt 3 balance, debt 3 apr, and total monthly budget. Each field starts with a sensible default, so you can change one number at a time and watch the result move.
What does the avalanche saves you result mean?
It is returned as a money amount in US dollars and updates live as you edit the inputs, so you can compare two or three versions of a scenario in a few seconds.
Is this calculator free, and do I need an account?
Yes, it's free, and no account is required. Nothing you type is stored on our servers — the maths runs entirely in your browser.
How accurate is the result?
It applies the standard formula exactly, so the arithmetic is precise. Results are estimates before tax, fees, and inflation unless an input explicitly covers them.
Who is this tool for?
It's built for anyone comparing money scenarios before committing — budgeting a payment, sanity-checking a quote, or seeing what a change in rate or term actually costs.
Accuracy and limitations
- Results are estimates before tax, fees, and inflation unless an input explicitly covers them.
- Rates are treated as fixed for the whole period — variable-rate products will drift from this projection.
- This is educational maths, not financial advice. Check anything contractual with the lender or your accountant.
Related tools
Cite this calculator
Writing about this topic? Grab a citation — every link helps keep these tools free.
RevenueLab. (2026). Debt Snowball Calculator. Retrieved from https://www.revenuelab.fyi/toolbox/debt-snowball
<p>Source: <a href="https://www.revenuelab.fyi/toolbox/debt-snowball" target="_blank" rel="noopener">Debt Snowball Calculator — RevenueLab</a> (2026).</p>
Source: [Debt Snowball Calculator — RevenueLab](https://www.revenuelab.fyi/toolbox/debt-snowball) (2026).