Enter what you owe — see how much sooner a plan clears it than paying minimums alone.
Your numbers stay in your browser until you ask the advisor.
Debt-free in, at this pace
3 yr 6 mo
Workable but long — 3 yr 6 mo to clear. Extra payment is the lever that moves this the most.
Estimates based on the assumptions above — real offers will differ.
Chart: total balance falls from $12,200 to zero over about 3 yr 6 mo.
Avalanche saves about $1,425 in interest compared with snowball on these balances — snowball clears its first account sooner.
Make sense of these numbers
AI readingGet a plain-language reading of your result — what looks solid, what to watch, and questions worth asking a lender.
Educational guidance, not financial advice.
How to Read Your Result
Four things worth understanding before you pick a strategy.
What This Tool Does and Doesn't Do
The maths simulates both strategies month by month, applying minimums first and the strategy's target order to any extra payment, and it runs entirely in your browser. Nothing you type is sent anywhere unless you press "Explain my numbers", and even then only the figures go, never your name or contact details.
What it can't do is know your actual account terms — promotional rates, balance-transfer fees, and changing minimums aren't modelled. Treat the result as a well-informed comparison, not the exact schedule your lender will show you.
Important: This is educational information, not financial advice. Confirm the figures with a qualified adviser before you commit to anything.
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