Debt payoff calculator
Enter your cards. See your kill date — the month the last balance hits zero — under both the avalanche and snowball methods. Runs entirely in your browser; nothing is sent anywhere.
Avalanche
Highest APR first — least interest
May 2028
kill date · 21 months
Interest paid: $1,330
Snowball
Smallest balance first — fastest wins
June 2028
kill date · 22 months
Interest paid: $1,450
Avalanche saves you $120 in interest vs snowball. Snowball clears its first card sooner. Both beat paying minimums — pick the one you’ll stick with.
Last Statement keeps this current automatically. Forward your statements; it parses the balances and APRs, builds the order, and watches the kill date move with every payment. $39 once, no subscription.
Educational estimate, not financial advice. Assumes fixed APRs and on-time payments.
§ Keep it current
This date goes stale next month.
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