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Debt Payoff Strategy Visualizer

Enter your debts and watch three payoff strategies play out side by side — Avalanche, Snowball, and Consolidation. See exactly how much interest each approach costs and how quickly you'll be debt-free.

Last Updated: February 2026
Least Interest
Avalanche
Time to payoff7y 6m
Total interest$12,135
Total paid$62,535
Snowball
Time to payoff7y 7m
Total interest$12,746
Total paid$63,146
Consolidation
Time to payoff5y 7m
Total interest$13,737
Total paid$64,137
Avalanche saves $610 in interest vs. Snowball and pays off 1 month sooner. Snowball eliminates individual debts faster, which some find more motivating.
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Mo 091 mo

Payoff Timeline

MetricAvalancheSnowballConsolidation
Time to payoff7y 6m7y 7m5y 7m
Total interest$12,135$12,746$13,737
Total paid$62,535$63,146$64,137
Monthly payment$765 minimums + $200 extra = $965/mo

Avalanche Order

  1. 1Visa CardMo 24
  2. 2MastercardMo 33
  3. 3Car LoanMo 48
  4. 4Student LoanMo 90

Snowball Order

  1. 1MastercardMo 15
  2. 2Visa CardMo 36
  3. 3Car LoanMo 49
  4. 4Student LoanMo 91
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Amount above minimums each month

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Leave blank for weighted avg (9.0%)

Calculations based on standard amortization formulas. Strategy comparison methodology follows the debt avalanche and debt snowball frameworks. See the CFPB for additional debt management resources.

This content is for educational and informational purposes only and does not constitute financial, tax, or legal advice. Consult a qualified professional for guidance tailored to your situation.

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