Debt Avalanche Calculator
This debt avalanche calculator shows the mathematically fastest, cheapest way to become debt-free: pay minimums on everything, and throw every extra dollar at your highest-interest-rate debt first. Enter up to three debts to see your payoff timeline and total interest.
Leave later slots at ₹0 if you have fewer than three debts.
The annual percentage rate charged on this balance.
The smallest monthly payment this lender requires.
Set to ₹0 if you don't have a debt in this slot.
The annual percentage rate charged on this balance.
The smallest monthly payment this lender requires.
Set to ₹0 if you don't have a debt in this slot.
The annual percentage rate charged on this balance.
The smallest monthly payment this lender requires.
Money you can put toward debt beyond the minimums, all directed at your highest-rate balance first.
Months to debt-free
सेव करने के लिए लॉग इन करें28
How long until every listed debt reaches ₹0, following the avalanche order.
Frequently asked questions
How much more does avalanche actually save versus snowball?+
It depends on how spread out your interest rates are. With a wide gap (e.g. a 40% card versus a 12% loan), avalanche can save a meaningful amount in interest — often tens of thousands of rupees over a multi-year payoff. With similar rates across debts, the savings shrink to nearly nothing, and the order barely matters.
What if two debts have the same interest rate?+
Order between them doesn't affect total interest — pick whichever motivates you more, such as the smaller balance for an early win.
Should I include a 0% promotional-rate card in this calculator?+
Only for the months the 0% rate actually applies — treat any card that reverts to a standard rate later as a separate debt with its post-promo rate, or use the balance transfer calculator to model the promo period specifically.