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Calculator · Open source

Debt Payoff Calculator

Compare avalanche vs snowball strategies. See how extra payments accelerate your debt freedom date and save on interest.

Methodology: public formulas, updated regularly. Built for Canadians, by Canadians.

Debt 1
Debt 2
Debt 3
Total debt
$43,000

Estimate: fixed rates, monthly interest and month-end payments, with no new purchases or fees. Accelerated strategies keep the original budget by reallocating freed payments. The minimum-only baseline does not reallocate them.

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