1
Add your debts
Enter the current balance, APR and required minimum payment for every debt in the plan.
DEBT & PAYOFF
Debt Avalanche Calculator
Build a highest-interest-first payoff plan. Add your debts, keep minimum payments on every balance and direct extra money toward the highest APR.
YOUR DEBTS
Build your avalanche
DebtBalanceAPRMinimum
Added on top of all minimum payments and directed toward the highest-APR active debt.
Payoff plan could not be completed.Check the balances and payments. The monthly budget must be sufficient for the modeled balances to decline.
Educational estimate. The model assumes fixed APRs, monthly interest, fixed minimum payments, no new borrowing and a consistent payoff budget. Actual lender calculations can differ.
PAYOFF ORDER
Your debt avalanche
Highest APR first.
Add debts above to see your payoff order.
MONTHLY PLAN
First 12 months
Follow payments, interest and your remaining balance.
Enter your debts to generate the schedule.
| Month | Target | Total payment | Interest | Principal | Balance |
|---|---|---|---|---|---|
| Enter your debts to generate the schedule. | |||||
2
Target the highest APR
Minimum payments continue while available extra money goes to the highest-rate active balance.
3
Keep the budget rolling
When one balance reaches zero, the same payoff budget can attack the next highest-interest debt.
HOW IT WORKS
Attack the most expensive rate first
The avalanche method ranks active debts by APR. PRAVIAX models monthly interest, keeps minimum payments going and directs the remaining payoff budget toward the highest interest rate.
Monthly interest = balance × APR ÷ 12Priority = highest active APRExampleThree debts + $300 extra
Store Card — $1,200 at 24%
Credit Card — $5,000 at 18%
Personal Loan — $10,000 at 11%
The 24% Store Card receives the extra payment first. When it is cleared, the payoff budget moves to the 18% Credit Card.
DEBT WORKFLOW
Want smallest-balance-first instead?
Use the Debt Snowball Calculator to prioritize quick balance milestones rather than APR.
FAQ
Debt avalanche calculator FAQ
How does the debt avalanche method work?
It prioritizes the highest APR debt while required minimum payments continue on the other active debts.
What happens when a debt reaches zero?
The payoff budget that is no longer needed for that balance can be redirected toward the next highest-APR debt.
How many debts can I enter?
This PRAVIAX calculator supports up to ten debts in one avalanche plan.
Avalanche or snowball?
Avalanche prioritizes APR while snowball prioritizes balance size. The resulting payoff order and interest cost can therefore differ.