Debt Paydown Optimizer (Snowball & Avalanche)
Plan your path to debt-free: compare Snowball vs. Avalanche, see payoff timing and total interest, and export your plan.
Schedule (first 24 months preview)
| # | Date | Total Payment | Interest | Principal | Remaining Balance | Focus | Debts Left |
|---|---|---|---|---|---|---|---|
| 1 | Month 1 | $1,133.10 | $233.10 | $900.00 | $35,333.10 | Credit Card A | 3 |
| 2 | Month 2 | $1,120.31 | $220.31 | $900.00 | $34,653.41 | Credit Card A | 3 |
| 3 | Month 3 | $1,107.31 | $207.31 | $900.00 | $33,960.72 | Credit Card A | 3 |
| 4 | Month 4 | $1,094.09 | $194.09 | $900.00 | $33,254.81 | Credit Card A | 3 |
| 5 | Month 5 | $1,080.63 | $180.63 | $900.00 | $32,535.44 | Credit Card A | 3 |
| 6 | Month 6 | $1,066.94 | $166.94 | $900.00 | $31,802.38 | Credit Card A | 3 |
| 7 | Month 7 | $1,053.01 | $153.01 | $900.00 | $31,055.39 | Credit Card A | 2 |
| 8 | Month 8 | $934.76 | $144.76 | $790.00 | $30,410.15 | Student Loan | 2 |
| 9 | Month 9 | $932.70 | $142.70 | $790.00 | $29,762.85 | Student Loan | 2 |
| 10 | Month 10 | $930.63 | $140.63 | $790.00 | $29,113.48 | Student Loan | 2 |
| 11 | Month 11 | $928.56 | $138.56 | $790.00 | $28,462.04 | Student Loan | 2 |
| 12 | Month 12 | $926.47 | $136.47 | $790.00 | $27,808.51 | Student Loan | 2 |
| 13 | Month 13 | $924.38 | $134.38 | $790.00 | $27,152.89 | Student Loan | 2 |
| 14 | Month 14 | $922.29 | $132.29 | $790.00 | $26,495.18 | Student Loan | 2 |
| 15 | Month 15 | $920.19 | $130.19 | $790.00 | $25,835.37 | Student Loan | 2 |
| 16 | Month 16 | $918.09 | $128.09 | $790.00 | $25,173.46 | Student Loan | 2 |
| 17 | Month 17 | $915.97 | $125.97 | $790.00 | $24,509.43 | Student Loan | 2 |
| 18 | Month 18 | $913.85 | $123.85 | $790.00 | $23,843.28 | Student Loan | 2 |
| 19 | Month 19 | $911.73 | $121.73 | $790.00 | $23,175.01 | Student Loan | 2 |
| 20 | Month 20 | $909.59 | $119.59 | $790.00 | $22,504.60 | Student Loan | 2 |
| 21 | Month 21 | $907.45 | $117.45 | $790.00 | $21,832.05 | Student Loan | 2 |
| 22 | Month 22 | $905.31 | $115.31 | $790.00 | $21,157.36 | Student Loan | 2 |
| 23 | Month 23 | $903.16 | $113.16 | $790.00 | $20,480.52 | Student Loan | 1 |
| 24 | Month 24 | $750.77 | $110.77 | $640.00 | $19,951.29 | Car Loan | 1 |
Show full schedule
| # | Date | Total Payment | Interest | Principal | Remaining Balance | Focus | Debts Left |
|---|---|---|---|---|---|---|---|
| 1 | Month 1 | $1,133.10 | $233.10 | $900.00 | $35,333.10 | Credit Card A | 3 |
| 2 | Month 2 | $1,120.31 | $220.31 | $900.00 | $34,653.41 | Credit Card A | 3 |
| 3 | Month 3 | $1,107.31 | $207.31 | $900.00 | $33,960.72 | Credit Card A | 3 |
| 4 | Month 4 | $1,094.09 | $194.09 | $900.00 | $33,254.81 | Credit Card A | 3 |
| 5 | Month 5 | $1,080.63 | $180.63 | $900.00 | $32,535.44 | Credit Card A | 3 |
| 6 | Month 6 | $1,066.94 | $166.94 | $900.00 | $31,802.38 | Credit Card A | 3 |
| 7 | Month 7 | $1,053.01 | $153.01 | $900.00 | $31,055.39 | Credit Card A | 2 |
| 8 | Month 8 | $934.76 | $144.76 | $790.00 | $30,410.15 | Student Loan | 2 |
| 9 | Month 9 | $932.70 | $142.70 | $790.00 | $29,762.85 | Student Loan | 2 |
| 10 | Month 10 | $930.63 | $140.63 | $790.00 | $29,113.48 | Student Loan | 2 |
| 11 | Month 11 | $928.56 | $138.56 | $790.00 | $28,462.04 | Student Loan | 2 |
| 12 | Month 12 | $926.47 | $136.47 | $790.00 | $27,808.51 | Student Loan | 2 |
| 13 | Month 13 | $924.38 | $134.38 | $790.00 | $27,152.89 | Student Loan | 2 |
| 14 | Month 14 | $922.29 | $132.29 | $790.00 | $26,495.18 | Student Loan | 2 |
| 15 | Month 15 | $920.19 | $130.19 | $790.00 | $25,835.37 | Student Loan | 2 |
| 16 | Month 16 | $918.09 | $128.09 | $790.00 | $25,173.46 | Student Loan | 2 |
| 17 | Month 17 | $915.97 | $125.97 | $790.00 | $24,509.43 | Student Loan | 2 |
| 18 | Month 18 | $913.85 | $123.85 | $790.00 | $23,843.28 | Student Loan | 2 |
| 19 | Month 19 | $911.73 | $121.73 | $790.00 | $23,175.01 | Student Loan | 2 |
| 20 | Month 20 | $909.59 | $119.59 | $790.00 | $22,504.60 | Student Loan | 2 |
| 21 | Month 21 | $907.45 | $117.45 | $790.00 | $21,832.05 | Student Loan | 2 |
| 22 | Month 22 | $905.31 | $115.31 | $790.00 | $21,157.36 | Student Loan | 2 |
| 23 | Month 23 | $903.16 | $113.16 | $790.00 | $20,480.52 | Student Loan | 1 |
| 24 | Month 24 | $750.77 | $110.77 | $640.00 | $19,951.29 | Car Loan | 1 |
| 25 | Month 25 | $747.90 | $107.90 | $640.00 | $19,419.19 | Car Loan | 1 |
| 26 | Month 26 | $745.03 | $105.03 | $640.00 | $18,884.22 | Car Loan | 1 |
| 27 | Month 27 | $742.13 | $102.13 | $640.00 | $18,346.35 | Car Loan | 1 |
| 28 | Month 28 | $739.22 | $99.22 | $640.00 | $17,805.57 | Car Loan | 1 |
| 29 | Month 29 | $736.30 | $96.30 | $640.00 | $17,261.87 | Car Loan | 1 |
| 30 | Month 30 | $733.36 | $93.36 | $640.00 | $16,715.23 | Car Loan | 1 |
| 31 | Month 31 | $730.40 | $90.40 | $640.00 | $16,165.63 | Car Loan | 1 |
| 32 | Month 32 | $727.43 | $87.43 | $640.00 | $15,613.06 | Car Loan | 1 |
| 33 | Month 33 | $724.44 | $84.44 | $640.00 | $15,057.50 | Car Loan | 1 |
| 34 | Month 34 | $721.44 | $81.44 | $640.00 | $14,498.94 | Car Loan | 1 |
| 35 | Month 35 | $718.42 | $78.42 | $640.00 | $13,937.36 | Car Loan | 1 |
| 36 | Month 36 | $715.38 | $75.38 | $640.00 | $13,372.74 | Car Loan | 1 |
| 37 | Month 37 | $712.32 | $72.32 | $640.00 | $12,805.06 | Car Loan | 1 |
| 38 | Month 38 | $709.25 | $69.25 | $640.00 | $12,234.31 | Car Loan | 1 |
| 39 | Month 39 | $706.17 | $66.17 | $640.00 | $11,660.48 | Car Loan | 1 |
| 40 | Month 40 | $703.06 | $63.06 | $640.00 | $11,083.54 | Car Loan | 1 |
| 41 | Month 41 | $699.94 | $59.94 | $640.00 | $10,503.48 | Car Loan | 1 |
| 42 | Month 42 | $696.81 | $56.81 | $640.00 | $9,920.29 | Car Loan | 1 |
| 43 | Month 43 | $693.65 | $53.65 | $640.00 | $9,333.94 | Car Loan | 1 |
| 44 | Month 44 | $690.48 | $50.48 | $640.00 | $8,744.42 | Car Loan | 1 |
| 45 | Month 45 | $687.29 | $47.29 | $640.00 | $8,151.71 | Car Loan | 1 |
| 46 | Month 46 | $684.09 | $44.09 | $640.00 | $7,555.80 | Car Loan | 1 |
| 47 | Month 47 | $680.86 | $40.86 | $640.00 | $6,956.66 | Car Loan | 1 |
| 48 | Month 48 | $677.62 | $37.62 | $640.00 | $6,354.28 | Car Loan | 1 |
| 49 | Month 49 | $674.37 | $34.37 | $640.00 | $5,748.65 | Car Loan | 1 |
| 50 | Month 50 | $671.09 | $31.09 | $640.00 | $5,139.74 | Car Loan | 1 |
| 51 | Month 51 | $667.80 | $27.80 | $640.00 | $4,527.54 | Car Loan | 1 |
| 52 | Month 52 | $664.49 | $24.49 | $640.00 | $3,912.03 | Car Loan | 1 |
| 53 | Month 53 | $661.16 | $21.16 | $640.00 | $3,293.19 | Car Loan | 1 |
| 54 | Month 54 | $657.81 | $17.81 | $640.00 | $2,671.00 | Car Loan | 1 |
| 55 | Month 55 | $654.45 | $14.45 | $640.00 | $2,045.45 | Car Loan | 1 |
| 56 | Month 56 | $651.06 | $11.06 | $640.00 | $1,416.51 | Car Loan | 1 |
| 57 | Month 57 | $647.66 | $7.66 | $640.00 | $784.17 | Car Loan | 1 |
| 58 | Month 58 | $644.24 | $4.24 | $640.00 | $148.41 | Car Loan | 1 |
| 59 | Month 59 | $150.01 | $0.80 | $149.21 | $0.00 | Car Loan | 0 |