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Pay off multiple credit cards using avalanche or snowball method.
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.
Simulate paying off multiple credit cards using the avalanche (highest APR first) or snowball (smallest balance first) method. See total interest and months to debt-freedom.
Add each credit card with balance, APR, and minimum payment.
Enter your extra monthly payment budget.
Compare avalanche vs snowball strategies to see which fits you.
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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