Online Tool Store
Debt Avalanche Planner
Plan a debt avalanche payoff strategy — highest interest rate first — with a projected payoff timeline and total interest. Runs entirely in your browser.
🔒 This tool runs entirely in your browser. Your files are never uploaded to a server.
Your debts
Avalanche payoff order (highest interest rate first)
- Months to debt-free
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- Total interest paid
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How it works
- Add each debt's balance, interest rate, and minimum payment.
- Enter how much extra you can pay each month beyond the minimums.
- See the avalanche payoff order, months to debt-free, and total interest.
FAQ
What is the debt avalanche method?
Pay minimums on every debt, then put all extra money toward the debt with the highest interest rate first. Once it's paid off, roll that payment into the next-highest-rate debt, and so on — mathematically minimizes total interest paid compared to any other payoff order.
How is this different from the debt snowball method?
Snowball targets the smallest balance first regardless of interest rate, for a psychological "quick win." Avalanche targets the highest interest rate first, which saves the most money over time — this tool implements avalanche specifically.
What does "extra monthly payment" do in the calculation?
Any amount beyond the minimum payments, applied entirely to the current highest-interest debt each month — the core mechanism that speeds up payoff and reduces total interest versus paying only minimums.
Is my financial data uploaded anywhere?
No — every calculation happens locally in your browser. Nothing is sent to a server.
How we compare
| Feature | Online Tool Store | Spreadsheet debt tracker | Budgeting app debt payoff feature |
|---|---|---|---|
| No sign-up or account linking | ✓ | ✓ | Often requires connecting bank accounts |
| Instant, no formula-building | ✓ | Build the amortization formulas yourself | ✓ |
For a quick, private plan without linking financial accounts to another app, this is the faster and more private option.