Attack the highest rate.
Save the most.
Free debt avalanche calculator. Pay off highest interest rate first to save the most money. Compare to snowball and see your savings.
Let's list your debts.
No judgment here — just getting a clear picture.
Anything extra?
Even twenty dollars makes a real difference. But there's no pressure — you can skip this.
Added on top of your minimums each month.
Tax refund, a bonus, or a gift — applied once.
Not sure yet? You can skip this — we'll still show your payoff plan.
That's months from now.
Your debt, disappearing.
Each month, your balance gets smaller. Here's the shape of it.
Your payoff journey.
Each milestone is a victory. Celebrate them.
Paid off in month — first win!
Debt freedom day.
What's next?
Want to learn more?
Debt Snowball vs Avalanche: Which Strategy Is Right for You?
Compare the two most popular debt payoff strategies and discover which one fits your personality and financial situation.
Read articleHow to Pay Off $10,000 in Credit Card Debt
A realistic, step-by-step plan to eliminate $10K in credit card debt faster than you thought possible.
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How the avalanche method works
The debt avalanche method is mathematically optimal. You attack the highest interest rate first, which minimizes the total interest you pay over time.
The process
- List debts from highest APR to lowest
- Pay minimums on everything except the highest-rate debt
- Put all extra money toward the highest APR
- When it's gone, move to the next highest rate
- Repeat until debt-free
Is it right for you?
Avalanche is ideal if you're motivated by optimization, you're disciplined enough to stick with a longer first payoff, or you have a debt with a significantly higher rate than the others.