Money
Debt Payoff Calculator
Avalanche versus snowball on your actual debts.
₹1.5 L
₹0₹1,50,000₹5 Cr
042%60
₹4 L
₹0₹4,00,000₹5 Cr
014%40
₹1,000₹25,000₹50 L
Debt-free in
2 yr 3 mo
- Total debt
- ₹5,50,000
- Avalanche (highest rate first) — interest
- ₹1,08,015
- Snowball (smallest balance first) — interest
- ₹1,08,015
- Avalanche saves
- ₹0
- Monthly payment
- ₹25,000
What this means.Avalanche is mathematically optimal — attack the 42% debt first and save ₹0. Snowball clears a debt sooner, which some people need psychologically. Either beats paying minimums.
Worth knowing.Results are estimates based on the assumptions you enter. Actual outcomes depend on the exact terms offered to you, the compounding convention your institution uses, and tax law as it applies to your situation. Nothing here is personalised advice.
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