Home › Debt Snowball Calculator

Debt Snowball Calculator

The snowball method

The debt snowball method has you pay minimums on everything, then put every extra dollar toward your smallest balance until it is gone — then roll that payment into the next.

Estimate each payout

For each card, enter the balance, APR, and total payment into the credit card payoff calculator to see how fast it clears.

Snowball vs avalanche

Snowball wins on motivation; avalanche wins on math. Choose avalanche if you want to pay the least interest overall.

Advertisement