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Debt Snowball Calculator

Pay off multiple debts faster using the snowball method — smallest balance first.

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Your Debts

List all debts to pay off

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Debt-Free In

3y 9m

Monthly pool $880Total interest $4,395
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Payoff Order

Smallest balance first

  1. 1

    Credit Card

    $4,500 · 22.9% APR

    1y 2m
  2. 2

    Car Loan

    $12,000 · 6.5% APR

    2y 4m
  3. 3

    Student Loan

    $18,000 · 5.5% APR

    3y 9m
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Summary

Total Debt$34,500
Monthly Pool$880
Time to Debt-Free3y 9m
Total Interest$4,395
Total Paid$38,895

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About this calculator

The debt snowball method — popularized by Dave Ramsey — pays off your smallest balance first while making minimum payments on everything else. As each debt disappears, its payment rolls into the next one, creating a "snowball" effect. Our calculator handles unlimited debts and shows you the exact payoff order, the month each debt is eliminated, and how much interest you'll pay in total. Compare it side-by-side with the debt avalanche method to see which saves you more money.

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