Debt payoff calculator
Enter your cards. See your kill date — the month the last balance hits zero — under both the avalanche and snowball methods. Runs entirely in your browser; nothing is sent anywhere.
Avalanche
Highest APR first — least interest
May 2028
kill date · 21 months
Interest paid: $1,330
Snowball
Smallest balance first — fastest wins
June 2028
kill date · 22 months
Interest paid: $1,450
Avalanche saves you $120 in interest vs snowball. Snowball clears its first card sooner. Both beat paying minimums — pick the one you’ll stick with.
Last Statement keeps this current for you. Enter each account once, log every payment as you make it, and it holds the order and moves the kill date with you. $39 once, no subscription.
Educational estimate, not financial advice. Assumes fixed APRs and on-time payments.
§ Keep it current
This date goes stale next month.
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