Find your debt-free date in 60 seconds.

List what you owe, add any extra you can throw at it, and see snowball vs. avalanche side by side — then print the plan and stick it on the fridge.

100% freeNo sign-upPrivate — runs in your browserPrintable

1. Your debts

NameBalance ($)APR (%)Min. payment ($)

2. Your plan

3. Results

Make it stick: the Debt Payoff Printable Pack

Color-in payoff charts, a snowball tracker, monthly budget and bill calendar, sinking funds and a no-spend challenge — 18 printable pages you fill in by hand.

Get the pack — $9   or grab the free 3-page tracker

Snowball or avalanche?

Snowball pays the smallest balance first, so you get quick wins. Avalanche pays the highest interest rate first, which usually costs the least. The calculator shows the real difference for your numbers — often it is smaller than people expect, and the method you'll actually stick with wins. Read the full comparison →