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Simulate paying off multiple credit cards using the avalanche (highest APR first) or snowball (smallest balance first) method.
Debt-Free In
2y 11m
$3,159 total interest
Total Balance
$10,400
Min Payments
$270/mo
Extra Applied
$200/mo
Total Months
35
Strategy comparison
Switching to the snowball method would take 36 months and cost $3,443 in interest. Avalanche always saves the most money; snowball wins on motivation.
Credit Card Payoff Calculator (Avalanche & Snowball) simulates avalanche (highest-rate-first) and snowball (lowest-balance-first) debt payoff strategies across multiple cards and shows the total interest and months saved by each.
Credit Card Payoff Calculator (Avalanche & Snowball) is a high-performance utility designed to help users streamline their workflow. Built with modern web technologies, it ensures fast processing times and high-quality outputs directly in your browser.
Avalanche strategy: extra payment applied to the card with the highest APR first, then cascades down. Snowball strategy: extra payment applied to the lowest balance first. Each card is amortized monthly: interest = balance × (APR/12), then payment applied. Simulation uses structuredClone to avoid state mutation.
Avalanche (highest APR first) always saves the most money mathematically. Snowball (smallest balance first) provides quick psychological wins, which research shows helps people stay motivated. Pick what you'll stick with.
Yes — interest is accrued monthly on each card's balance. The simulation matches how credit card companies actually compute charges.
A 0% intro APR balance transfer card can save thousands if you can pay off the balance before the promo period ends. Watch for the 3–5% transfer fee.
Depends on your extra payment. Paying just the minimums on high-APR cards (20%+) can take 20+ years. Adding $200/month often cuts the timeline to under 5 years for typical balances.
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