Free calculator
When will you be debt-free?
Add your debts below. We'll show your payoff date, total interest, and how much faster you'd finish with the Avalanche method — no signup, nothing saved.
Debt nameBalanceAPR %Min/mo
Extra payment / month
On top of minimums — this is what accelerates payoff.
$
Payoff method
You'll be debt-free by
Jun 2029
36 payments · 3 years from now
Total interest
$2,125
Total paid
$16,765
Avalanche wins: vs. Snowball you save $255 in interest and finish 1 month sooner.
Save this plan — start freeNothing here is saved or sent anywhere.
How is this calculated?
Each month we apply your minimum payments to every debt, then direct your extra payment to one target debt — the highest-APR debt (Avalanche) or the smallest balance (Snowball). Interest accrues monthly at APR ÷ 12. When a debt is cleared, its minimum rolls into the extra payment and snowballs onward. It's an estimate for planning, not a quote, and assumes fixed rates and no new charges.
Avalanche vs. Snowball — which should I pick?
Avalanche targets your highest interest rate first, so it costs the least and finishes fastest mathematically. Snowball targets your smallest balance first, so you clear whole debts sooner for motivation. The calculator shows both — pick the one whose math and momentum you'll actually stick with.
Does this include BNPL like Klarna or Affirm?
You can add them as debts here with their balance and APR. But BNPL has quirks — promotional 0% windows and retroactive interest cliffs — that a simple calculator can't fully model. The full Smart Debt Flow app tracks those deadlines and warns you before they hit.