Set the inputs
Add each debt with its balance, rate and minimum payment, then set the total monthly payment budget.
Debt payoff planner
Plan multiple-debt repayment with avalanche or snowball ordering while meeting each required minimum.
Result
Adjust the example inputs, then calculate.
Monthly nominal rate / 12; no new debt. Pay all minima before rolling extra funds over in the same month. Ties use stable IDs. Up to 20 debts and 1,200 months. Posted interest and payments round half up to cents. Penalties and early-settlement rebates are excluded.
How to use this calculator
Check the terms
Choose snowball by balance or avalanche by rate. Check that the budget covers every required minimum.
Read the result
Read each payoff month, total interest and remaining balance. A simulation that leaves debt is not a debt-free date.
A worked example
Illustrative calculation
Total debt of 10,000 THB at 0%, a 2,000 THB monthly budget and all minimums met clears in five months.
Compare a second scenario
Hold debts and budget constant and switch snowball versus avalanche to compare payoff order and interest fairly.
Common questions
Where does my information go?
Calculations run in your browser. Financial inputs are neither saved locally nor sent to analytics. Reloading restores the initial values.
What are this model’s limitations?
New borrowing, missed payments and unentered fees are excluded. Real payments must meet each creditor’s minimum requirements.