Free Debt Snowball Calculator

Enter your debts and an extra monthly payment. See your payoff order, the month you'll be debt-free, and total interest — instantly. No signup.

DebtBalanceAPR %Min pay
You'll be debt-free in
—
Total interest you'll pay—
Total you'll pay—
Payoff order (snowball):

    Keep this — get the editable spreadsheet

    This calculator runs in your browser and resets when you leave. The Debt Snowball Calculator spreadsheet saves your debts, updates automatically each month, and works in Excel & Google Sheets.

    Get the spreadsheet — $7
    …or grab the free budget template first →

    What is the debt snowball method?

    List every debt smallest balance to largest. Pay the minimum on all of them, and throw every extra dollar at the smallest one. When it's paid off, roll its whole payment into the next-smallest. Each debt falls faster than the last — and the quick early wins keep you motivated.

    Snowball vs. avalanche?

    Avalanche (highest APR first) saves slightly more interest mathematically. Snowball (smallest balance first) pays off debts faster one-by-one, so most people actually stick with it. This calculator uses the snowball order.

    Estimates only, for planning. Not financial advice.