Work out debt avalanche payoff instantly with clear inputs, formula shown and shareable results.
The avalanche method attacks the highest rate first, which minimises total interest. Running the same monthly budget — here 3% of the opening total — through both orderings shows exactly what the rate-first discipline is worth.
Avalanche order
Service interest on all debts, then direct all surplus to the highest APR until cleared
Figures are estimates. Lenders apply their own rounding, fees and eligibility rules, and rates change. This is not financial advice — confirm the numbers with your lender.
Every spare unit removes the most expensive interest first, so the interest clock slows fastest.
When the rate gap is small and motivation matters more than a modest interest saving.