Finance

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Debt Payoff Calculator.

Compare the avalanche and snowball methods to pay off debt faster

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$
Debt-Free In
2y 8m
Total Interest
$1,720
Total Paid
$14,720
Payoff Order
  1. Credit Card
  2. Car Loan

FAQs

Что такое метод «лавины»?

Метод «лавины» направляет каждый дополнительный доллар в первую очередь на долг с самой высокой процентной ставкой (APR). Это минимизирует общую сумму выплаченных процентов и обычно быстрее всего избавляет от долга.

Что такое метод «снежного кома»?

Метод «снежного кома» в первую очередь нацелен на наименьший остаток долга, независимо от процентной ставки. Быстрое погашение долга даёт психологическую победу, которая помогает многим людям сохранять мотивацию.

Какой метод выбрать?

«Лавина» математически экономит больше денег. «Снежный ком» может быть лучше, если для вас важны быстрые победы и мотивация. Этот калькулятор позволяет сравнить оба метода бок о бок.

Что происходит, когда один долг погашен?

Её ежемесячный платёж переносится на следующий целевой долг. Именно этот «перенос» ускоряет погашение со временем в обоих методах.

Cite this calculator

Canonical URL: https://mathify.one/ru/finance/debt-payoff

Cite as: Mathify. (2026). Калькулятор погашения долгов. https://mathify.one/ru/finance/debt-payoff

Use Cases

Choose a debt payoff strategy

Compare avalanche and snowball methods side by side to see which one aligns with your financial goals and personality.

Example: See that avalanche saves $1,200 in interest but snowball gets you a win in 3 months.

Plan extra payments

Determine how much extra you need to pay each month to become debt-free by a target date, and see the impact on interest.

Example: Add $100 extra per month and see your payoff time shrink by 2 years.

Frequently Asked Questions

What is the difference between the avalanche and snowball methods?
The avalanche method focuses on paying off debts with the highest interest rates first, saving the most money on interest. The snowball method focuses on paying off the smallest debts first for psychological wins, which can help with motivation. Both methods involve making minimum payments on all debts and putting extra money toward one debt at a time.
Which method is better: avalanche or snowball?
The avalanche method is mathematically better because it reduces total interest paid and typically gets you out of debt faster. However, the snowball method may be better for those who need quick wins to stay motivated. The best method is the one you can stick with consistently.
How does the Debt Payoff Calculator work?
You input your debts, including balances, interest rates, and minimum payments, along with any extra monthly payment you can afford. The calculator then compares the avalanche and snowball methods, showing you the total interest paid and the time to debt freedom for each strategy.

Tips & Common Mistakes

Tips

  • List all your debts with accurate balances and interest rates for the most precise comparison.
  • Consider your motivation style: if you need quick wins, snowball may help you stay on track.
  • Use the calculator to see how increasing your extra payment can accelerate your payoff and reduce interest.
  • Revisit the calculator after paying off a debt to update your plan and stay motivated.

Common Mistakes to Avoid

  • Forgetting to include all debts, such as personal loans or medical bills, which can skew the comparison.
  • Assuming the snowball method is always worse without considering the psychological benefits.
  • Not updating the calculator when interest rates change or when you make extra payments.

Last updated: August 13, 2026