List your debts, add what you can pay extra, and compare the snowball vs avalanche strategies — payoff date, interest paid, and the exact order to attack.
Debt-free in
4y 3m
paying $5,187 interest on $34,500 of debt
Your $200/mo extra saves $4,382 and 25 months vs minimums only.
Paying off multiple debts is a sequencing problem: minimums must be paid on everything, but where should every spare dollar go? The avalanche method targets the highest interest rate first and is mathematically optimal; the snowball method targets the smallest balance first and delivers faster psychological wins. This calculator simulates both, month by month, with your actual debts.
Enter each debt's balance, APR and minimum payment, add whatever extra you can commit monthly, and see your debt-free date, total interest, and the exact payoff order. As each debt clears, its minimum payment automatically rolls into the next target — the compounding effect that makes both strategies accelerate over time.