Simulate snowball vs avalanche payoff across multiple cards.
Cards
| Balance | APR (%) | Min payment | |
|---|---|---|---|
Total debt
$16,000
Time to debt-free
2y 5m
Total interest (avalanche)
$4,153
Snowball: $4,589
The Credit Card Payoff Calculator shows exactly how long it will take to clear your balances and how much interest you will pay. It compares the two popular debt-elimination strategies side-by-side.
Any amount above the minimum makes a dramatic difference. Doubling a minimum payment often cuts the payoff period in half and the total interest by 60–70%.