Calculator · Debt Payoff

Snowball or avalanche? See which gets you debt-free faster.

Add your debts. Pick a strategy. We'll show you the path out, month by month.

Your Debts
Name
Balance
Interest %
€

The combined minimum required across all debts.

€

The amount above minimums you can put toward debt each month.

Snowball: pay smallest balance first (motivation).
Avalanche: pay highest interest first (cheapest).

Debt-free in
0
Total paid
€0
Interest cost
€0
Strategy Comparison
Strategy Months Interest

Payoff Order
Educational tool only. Real debt repayment depends on your contract terms, fees, late charges, and changes in interest rates. This calculator assumes fixed rates and that you make the same total payment every month. This is not financial advice.