“
I'd been throwing money at my lowest balance for two years. The calculator showed me I was leaving about $3,000 on the table. Switched the order, never looked back.
Marcus T.
Pay off your credit cards faster — and pay thousands less in interest
The debt avalanche method, visualized. Free, no account required.
Trusted by people tackling over $2.4M in combined credit card debt
How it works
Three steps, about ninety seconds, no sign-up — just a clear picture of the fastest way out.
1
Enter your cards
Add each card's balance, interest rate, and minimum payment.
2
See your payoff plan
We calculate the fastest, cheapest path to zero.
3
Watch the savings
See exactly how much interest you'll avoid with the avalanche method.
What is the debt avalanche?
You pay the minimum on every card, then throw every extra dollar at the card with the highest interest rate. When that card hits zero, you roll its payment to the next-highest. And so on, until you're done.
It's mathematically optimal — no other payoff order saves you more in interest. The avalanche works because high-rate balances cost you more every month they stick around, so killing them first stops the bleeding fastest.
Example: $12,000 in credit card debt
Minimum payments only
$7,180 in interest
Time to payoff
17 yrs, 4 mo
Avalanche method
$2,980 in interest
Time to payoff
3 yrs, 6 mo
$4,200 saved
by switching from minimums to avalanche
See your plan, card by card
A static preview of the calculator. Pop in your real balances when the tool ships.
calculator preview — tool launching soon
What people are saying
Real feedback from people working their way out of credit card debt.
“
Other calculators I tried wanted my email and a phone number before they'd even run the math. This one just gave me the numbers. That was the whole reason I trusted it.
Priya R.
“
Seeing the payoff date in actual months instead of a vague "someday" made it click for me. I cut up two cards the same night.
Daniel K.