🎲 Fun & Lifestyle
Debt Avalanche Calculator
Pay highest-interest debt first — save the most.
Enter values to see your result
Frequently asked questions
Why pay highest-rate debt first?
Interest compounds fastest on high-APR debt. Every rupee paid to a 42% APR credit card saves 3.8× more interest than the same rupee on an 11% loan.
Avalanche vs snowball — which to use?
Avalanche if you're financially disciplined and focused on minimizing total cost. Snowball if you need behavioural wins to stay motivated.
Does debt consolidation change the math?
Yes — consolidating to a single lower-APR loan makes the avalanche/snowball choice moot. Compare consolidation APR vs your weighted-average current rate.
Should I stop investing during avalanche?
Not entirely. Keep minimum 401(k)/EPF contribution for employer match (instant 100% return). Beyond that, yes — prioritise debt over extra investments if APR > expected returns.