对比雪崩法（先还利率最高的）和雪球法（先还金额最小的），找出你的最快还清路径。信用卡、学生贷款、车贷、个贷通用。
3 years 7 months
Total interest: $3,530
Total paid: $24,030
3 years 7 months
Total interest: $3,738
Total paid: $24,238
Avalanche saves $209 in interest (0 years sooner than snowball).
Avalanche = pay highest APR first (mathematically optimal). Snowball = pay smallest balance first (psychological wins). Most people who stick with debt payoff succeed with snowball due to quick wins.
在常见 APR 和月供下还清信用卡债务所需月数（假设不再新增消费）：
| 起始余额 | APR | 月供 | 还清月数 | 总利息 |
|---|---|---|---|---|
| $5,000 | 24% | $300 | 19 | $610 |
| $10,000 | 24% | $300 | 47 | $4,127 |
| $15,000 | 24% | $300 | 88 | $11,419 |
| $25,000 | 24% | $400 | 100 | $14,729 |
最低还款通常只覆盖利息，会把还清时间延长 10-20 年。雪崩法（先还利率最高的）能省最多利息。雪球法（先还金额最小的）能快速看到成果、保持动力。两种方法都用同样的总月供，但雪崩法总利息更低。
Cross-checked against authoritative formulas (IRS, NIST, ACSM) and updated for 2025/2026 tax years and rates.
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FAQ
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A debt payoff calculator is a free debt-reduction planning tool that simulates paying off multiple debts under either the avalanche or snowball method. Our debt payoff calculator accepts any number of debts (credit cards, student loans, car loans, medical bills) with custom balance, APR, and minimum payment. It computes months to debt freedom, total interest paid, and total amount paid for each strategy, then compares them side by side.
How it works
Our debt payoff calculator compares the avalanche method (highest APR first) and the snowball method (smallest balance first) for any combination of debts.
Click 'Add debt' for each debt you owe — credit cards, student loans, car loan, medical debt, etc. For each, enter the name, current balance, APR, and minimum monthly payment. Get these from your latest statements.
Type the extra amount you can put toward debt each month beyond minimums. Even $50-200/mo extra dramatically reduces payoff time and total interest. The debt payoff calculator adds this to your minimums and directs it to the priority debt.
The debt payoff calculator shows months to debt-free, total interest paid, and total amount paid for both avalanche (highest APR first) and snowball (smallest balance first). It highlights which method saves more money and which finishes faster.
Find how long it takes to pay off a credit card balance and the total interest.
Compare debt consolidation to current payments and find total savings.
Build a monthly budget using the 50/30/20 rule or custom allocation, with savings targets.
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