Debt payoff calculator: avalanche vs snowball
List your debts and how much you can pay each month in total. We'll show your debt-free date under both methods and the interest each one costs.
| Debt | Balance £ | APR % | Min payment £ |
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Simplified model: interest is compounded monthly at APR/12, minimum payments stay fixed, and freed-up payments roll onto the next debt. Real card minimums fall as balances fall, so check your statements. Your numbers stay in your browser.
Avalanche or snowball?
Avalanche puts every spare pound on the highest-interest debt first. It is mathematically the cheapest. Snowball clears the smallest balance first. It usually costs a little more, but the quick wins keep many people going. The best plan is the one you will actually stick to.
For the full step-by-step plan, including which debts to prioritise (council tax, rent and energy come before credit cards), read how to pay off debt. If repayments feel impossible, get free debt help. It is confidential and costs nothing.