Multi-Debt Repayment Calculator

Compare avalanche and snowball payoff strategies across multiple debts and extra monthly payments.

Debt strategy inputs

Compare avalanche and snowball payoff strategies for three debts.

StrategyExtra monthly payment

Debt 1 balance

Debt 1 APR

Debt 1 minimum

Debt 2 balance

Debt 2 APR

Debt 2 minimum

Debt 3 balance

Debt 3 APR

Debt 3 minimum

Debt-free timeline

2 yr 7 mo

Total interest

$4,221

Monthly payoff budget

$1,070

First target

Debt 1

Compared with the other strategy, this setup changes interest by $853 and timeline by 1 months.

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Avalanche versus snowball

Avalanche targets the highest APR first to reduce interest. Snowball targets the smallest balance first, which may simplify behavior and create faster visible progress.

Keep the budget stable

When one debt is paid off, keep applying that freed payment to the remaining debts. This rollover effect is what accelerates the payoff timeline.