Multiple Debts Payoff Calculator
Roll several loans and cards into one plan and compare the snowball versus avalanche order across all of them.
Runs locally in your browser — your debt balances never leave this pageTry: Debt 1 balance=6000, Debt 1 min payment=180, Debt 1 APR %=21, Debt 2 balance=4200, Debt 2 min payment=95, Debt 2 APR %=16.5, Debt 3 balance=2500, Debt 3 min payment=60, Debt 3 APR %=12, Debt 4 balance=1500, Debt 4 min payment=40, Debt 4 APR %=7.5, Debt 5 balance=800, Debt 5 min payment=25, Debt 5 APR %=4.5, Extra payment / month=150, One-time extra payment=0 → 44, $4,984, 42, $3,706, $0
How to use
Enter up to five debts. The calculator sorts them two ways: by smallest balance (snowball) and by highest APR (avalanche), then shows the months and interest for each. Use the difference to pick your strategy.
FAQ
Can I mix credit cards and loans in one plan?
Yes. List every balance with its own APR and minimum payment. Because the avalanche sort uses APR, your highest-rate debt — often a card — gets attacked first regardless of type.