Debt Payoff Calculator

Enter your debts in the table below — name, balance, APR, and minimum payment. The calculator instantly shows which payoff strategy saves the most interest and when you'll be debt-free.

Results update as you type Up to 8 debts Avalanche vs. Snowball comparison

Your Debts Enter each debt on one row

Debt name (credit card, loan…)	Balance	APR %	Min. payment

Payoff Acceleration Optional — speeds up payoff

Extra monthly payment

€

Extra $200/mo typically saves $3,000–$8,000 in interest on average debt loads.

Your tax bracket (%) 2026 brackets: 22% ($47k–$103k), 24% ($103k–$197k), 32% ($197k–$250k).

Total Debt Balance

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Enter debts above to see results

Debt Payoff Schedule

Methodology: Monthly interest = balance × (APR ÷ 12). Avalanche: highest APR attacked first. Snowball: lowest balance first. Freed minimums roll forward to next target. Minimum payments floor at $10 or balance. Results are projections — actual payoff depends on making consistent payments. Full disclaimer →

Compare two scenarios

Snapshot your current numbers, change any input, then snapshot again to see the difference side by side.

No scenarios saved yet — enter your numbers above, then click Save as A.

Data reference (Ireland): Central Bank of Ireland consumer credit rates 2025; typical Irish card/credit-union APRs · figures as of 2026-06 · Compiled from official public sources via AI-assisted research, current to 2025-26; latest available data, not individually verified - general information, not advice.. See our methodology for how every figure is sourced and dated.

🔒 Calculations run 100% in your browser — we never see your numbers 📊 Built on primary-source data (see references above) 🔄 Reviewed 2026 · methodology · disclaimer

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