Free tool
Estimate your payoff date and total interest
Add your balances, APRs, and minimum payments. Pick snowball or avalanche and see when you'll be debt-free and how much interest you'll pay.
$
Your debts
Debt-free date
Jul 2029
33 months
Total interest
$2,289
on $15,500 of debt
Total paid
$17,789
principal + interest
avalanche beats snowball here by $184 in interest and 0 months.
| Debt | Paid off in | Interest paid |
|---|---|---|
| Credit Card A | 17 mo | $723 |
| Credit Card B | 23 mo | $491 |
| Car Loan | 33 mo | $1,076 |
Balance over time
TodayMonth 33
Estimates assume fixed APRs, on-time payments, and no new charges. Actual results vary with rate changes, promotional periods, and fees.
Run this plan on autopilot
Cashly syncs every account through Plaid, tracks balances and APRs automatically, and updates your payoff date the moment a payment posts. Compare snowball vs avalanche with your real numbers — not estimates.