Add all your debts, compare snowball vs avalanche strategies, and find your fastest path to freedom.
Avalanche pays off highest-interest debt first, saving you the most money overall.
Enter your debts, choose a strategy, then click Calculate My Plan to see your debt-free date and savings.
The snowball method pays off your smallest balance first for quick wins and motivation. The avalanche method targets the highest interest rate first, saving you the most money overall. Both methods pay minimums on all other debts.
Avalanche almost always saves more in total interest. However, snowball can be better psychologically. Eliminating a debt quickly gives you motivation to keep going. The best strategy is the one you'll stick with.
Usually not. UK student loans are income-contingent and written off after 25–40 years. Including them in snowball/avalanche strategies can lead to overpaying. Only include student loans if you're confident you'll repay the full amount based on your income trajectory.
These are estimates based on the information you provide and assume fixed interest rates and regular payments. Real-world factors like variable rates, missed payments, or rate changes will affect your actual payoff timeline.
Yes. All calculations happen in your browser. We never store, transmit, or access any financial information you enter. Your data never leaves your device.