debtclear.me logodebtclear.me

Debt avalanche calculator

Target the debt with the highest interest rate (APR) first while paying minimums on the rest. See how prioritizing high APRs mathematically minimizes total interest costs.

Debt Meltdown Calculator

Add your debts below, choose a strategy, and watch your debt stack melt down month by month.

Strategy Comparison Fact: The Avalanche strategy mathematically saves £906 in interest compared to Snowball for these numbers. However, Snowball clears your first account earlier, which can still be easier to stick with psychologically.

Your Debts

Total: £7,150 | Min Payments: £200/mo
Debt #1
£
%
£
Debt #2
£
%
£
Debt #3
£
%
£
£
Any extra cash you spare is funneled directly to your top-priority debt each month.
Side-by-Side Meltdown ComparisonToday
Snowball Tower
End: Aug 2029 | £3082 interest
Remaining
£7,150
Small Overdraft£450
High-APR Store Card£4,200
Bank Credit Card£2,500
Avalanche Tower
End: Mar 2029 | £2177 interest
Remaining
£7,150
Small Overdraft£450
High-APR Store Card£4,200
Bank Credit Card£2,500
Month 0 (Today)Month 0 of 31Month 31 (Mar 2029)

Avalanche Payoff Milestones

Small Overdraft
Paid Off May 2028 (Mo. 21)
High-APR Store Card
Paid Off May 2028 (Mo. 21)
Bank Credit Card
Paid Off Mar 2029 (Mo. 31)
Total Interest Paid:£2,177

What Is the Debt Avalanche Method?

The Debt Avalanche strategy orders your debts strictly by interest rate (APR), from highest to lowest. You maintain minimum payments across all accounts while concentrating all extra monthly funds on the debt carrying the highest interest rate.

The Mathematical Efficiency of the Avalanche Method

Because high-APR debts generate interest charges fastest, clearing them first stops compound interest from accumulating. Mathematically, the avalanche method results in the lowest possible total interest paid over your repayment timeline.

Comparing Avalanche vs. Snowball

While the avalanche method saves the most money in interest, the largest balance may also have the highest APR, meaning it takes longer to clear your first account. You can compare both methods side-by-side on your exact numbers using the calculator above.

Frequently Asked Questions

Interest savings depend on your balances and APR spread. On multiple high-interest store cards or credit cards, prioritizing the highest APR often saves hundreds or thousands of pounds.

Explore Related Payoff Tools & Guides

Debt Snowball CalculatorSnowball vs Avalanche ComparisonDebt Payoff Calculator UK HubDebt Avalanche Method Guide