Debt payoff planner
Compare avalanche and snowball strategies on your real loans.
Your debts
around Sep 2029
Total interest
Saved by avalanche
Estimates only — a simplified model, not financial advice.
Total balance over time
Both strategies comparedQuick insights
2 newComputed from your inputs · no account dataAvalanche saves you €189
Paying the highest rate first costs €189 less in interest than snowball, and clears your debts 0 months sooner or at the same pace.
1 high-rate debt burning money
Anything above 15% (yours peaks at 18%) compounds against you fast — clearing it first is usually the best guaranteed return available.
How this works
Each month every debt accrues one-twelfth of its annual rate, then receives its minimum payment. Your extra budget — plus the freed-up minimums of debts already cleared — attacks one debt at a time in strategy order.
Avalanche targets the highest rate first (mathematically cheapest). Snowball targets the smallest balance first (quick wins, more motivating). The chart shows both so you can see what the difference is actually worth.