Sources verified · May 22, 2026

The avalanche plan

List up to five debts and the extra you can put on top of the minimums. We’ll show the order to pay them in, when each one clears, and how much interest you save compared to the snowball method.

New here? See it work with example numbers:

Your debts — up to 5
Debt 1

Short name so you can spot it in the result.

%
Debt 2

Short name so you can spot it in the result.

%

Have more than 5? Combine balances with similar APRs into one row and use the lender’s minimum-sum as the combined minimum.

Extra payment — what you can put on top of the minimums

The total extra you can route toward the highest-APR debt. As each debt clears, its minimum cascades into this pool automatically.

No ads or lead-gen

Mortgages excluded — they’re tax-advantaged and usually too large for this kind of analysis. Refi Break-Even covers mortgage decisions separately.

What this tool does and doesn’t do

  • Does: month-by-month amortization with monthly compounding, applied to multiple debts at the same time. Extra payment is routed to the highest-APR debt first; each minimum cascades forward as debts clear. Compared head-to-head with the snowball (smallest-balance- first) method on the same inputs.
  • Doesn’t yet: mortgages, balance-transfer or consolidation modeling, credit-score impact, lender integrations, an amortization-schedule export, saved payoff plans, or shrinking-minimum-payment modeling (this calc assumes minimums stay fixed).
  • This is a planning estimate. It is not a debt-management plan or credit counseling. Confirm minimums and rates with each lender before making big decisions.