Debt avalanche calculator
Pay every minimum, then put extra toward the highest interest rate. See an estimated debt-free date compared with paying minimums only.
Your debts
Add each account. Extra of R0 is allowed and shows the minimums-only path.
Debt 1
Results
Enter your debts and press Calculate to see an avalanche estimate versus minimums only.
These figures are estimates, not financial, legal, or debt-review advice. Real interest, fees, and terms can differ. Speak to an NCR-registered counsellor before you make decisions.
How the avalanche method works
Pay every minimum
Each account gets its minimum so none of them default while you focus extra money.
Extra to the highest rate
Anything above the minimums goes to the dearest interest first. When that account is gone, its minimum joins the extra.
Compare with minimums only
The same debts with no extra show how much time and interest the extra payment could save.
Common questions
Is this the same as the snowball method?
No. Snowball pays the smallest balance first. This page only models avalanche: highest interest rate first.
Why does a minimum sometimes fail?
If the minimum does not cover that month’s interest, the balance can grow. The calculator flags that and does not invent an endless timeline.