Debt payoff calculator
Compare the debt snowball and avalanche methods, see your payoff date and total interest for each, and pick the strategy that fits.
Open the debt payoff calculator →How long until it is gone
Runs in your browser. Nothing is sent anywhere, and there is nothing to sign up to.
| Cleared in | — |
|---|---|
| Total interest | — |
| Total repaid | — |
| Interest in the first month | — |
| Paying £50 more a month | — |
How it works
List your debts with balances and rates, then compare two strategies side by side: avalanche (highest interest first, mathematically cheapest) and snowball (smallest balance first, psychologically easier). Both payoff dates and total interest are shown so the trade-off is explicit.
Palarid runs entirely in your browser. There is no account, no adverts on this page, and no server copy of anything you enter. You can export everything as JSON at any time.
Common questions
Which method is better?
Avalanche costs less in interest. Snowball produces earlier wins and better adherence. The best method is the one you actually finish.
Does it handle minimum payments?
Yes — minimums are paid on everything, with the surplus directed by whichever strategy you choose.
Is my debt data uploaded?
No. It stays on your device.
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