Free tool

Debt Snowball vs. Avalanche Calculator

Snowball and avalanche are the two standard ways to pay off multiple debts faster than making minimums alone — they just disagree on which debt gets your extra dollars first. Snowball goes smallest-balance-first for quick psychological wins; avalanche goes highest-interest-first to minimize what you pay overall. Enter your real balances below and this runs the actual month-by-month math for both, so you can see the real gap in time and money instead of guessing.

Your debts

Debt 1 name

Balance ($)

Min payment ($)

APR (%)

Debt 2 name

Balance ($)

Min payment ($)

APR (%)

Debt 3 name

Balance ($)

Min payment ($)

APR (%)

Debt 4 name (optional)

Balance ($)

Min payment ($)

APR (%)

Extra payment

Extra monthly amount, beyond the minimums above ($)

You just re-typed three balances into a calculator to get an honest answer, and you will be back here again next time a payment posts. Groundkeep's Debts tracker holds that same balance, minimum payment, and rate as a normal row in your dashboard, not a one-time snapshot, right alongside the rest of your budget and tasks. Because your AI agent has read/write access to that data, you can ask it to re-run this same snowball-vs-avalanche comparison off your actual current remaining balances any time, instead of hunting down a calculator and re-entering numbers by hand.

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