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Debt Avalanche Calculator

Debt Avalanche Calculator is a financial planning tool to help you payoff your debt earlier and save money on interest payment with the debt avalanche method.

Debt Avalanche Calculator
Debt # Balance ($) Interest Rate (%) Monthly Payment ($) Interest Cost # of Payments Left
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You will pay off all your debts in 28 months (Jan, 2028) which will cost you $5,702.92 in total interest payments. If you follow the debt avalanche method, you can payoff all your debts in 23 months (Aug, 2027) and save $0.00 in interest payments.

Compare Regular Vs. Avalanche
Regular Avalanche
# of Payments 28 23
Payoff Date Jan, 2028 Aug, 2027
Principal $26,500.00 $26,500.00
Interest Payment $5,702.92 $5,747.73
Total Payment $32,202.92 $32,247.73
Total Savings $44.81 $0.00

Debt Avalanche Amortization Schedule
Payment # Date Debt #3 (21%) Debt #2 (20.5%) Debt #1 (19.5%)
1 Oct, 2025 $420 $450 $550
2 Nov, 2025 $420 $450 $550
3 Dec, 2025 $420 $450 $550
4 Jan, 2026 $420 $450 $550
5 Feb, 2026 $420 $450 $550
6 Mar, 2026 $420 $450 $550
7 Apr, 2026 $420 $450 $550
8 May, 2026 $420 $450 $550
9 Jun, 2026 $420 $450 $550
10 Jul, 2026 $420 $450 $550
11 Aug, 2026 $420 $450 $550
12 Sep, 2026 $420 $450 $550
13 Oct, 2026 $420 $450 $550
14 Nov, 2026 $420 $450 $550
15 Dec, 2026 $420 $450 $550
16 Jan, 2027 $420 $450 $550
17 Feb, 2027 $420 $450 $550
18 Mar, 2027 $420 $450 $550
19 Apr, 2027 $85.71 $784.29 $550
20 May, 2027 $0.00 $702.07 $717.93
21 Jun, 2027 $0.00 $0.00 $1420
22 Jul, 2027 $0.00 $0.00 $1420
23 Aug, 2027 $0.00 $0.00 $773.66

What is the debt avalanche method?

The debt avalanche method is a debt repayment strategy that involves paying off your debt with the highest interest rate, and then second highest, until all your debt are paid off.

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