Step 4: The Debt Kicker

Debt Payoff Calculator

Find out when you will be debt-free. Add your debts, set your extra payment, and compare Avalanche vs. Snowball side by side.

Your Debts

Debt Name

Balance ($)

APR (%)

Min Payment ($)

Debt Name

Balance ($)

APR (%)

Min Payment ($)

Debt Name

Balance ($)

APR (%)

Min Payment ($)

Extra Monthly Payment

Beyond minimum payments, how much extra can you throw at debt each month?

Total Debt$20,000

Avalanche vs. Snowball

Saves More Money

🏔️

Avalanche Method

Highest interest rate first

Debt-Free In

3yr 3mo

Total Interest Paid

$2,618

Total Paid

$22,618

Payoff Order

1Credit Card
2Medical Debt
3Car Loan

☃️

Snowball Method

Smallest balance first

Debt-Free In

3yr 6mo

Total Interest Paid

$3,381

Total Paid

$23,381

Payoff Order

1Medical Debt
2Credit Card
3Car Loan

The Avalanche method saves you

$763

in total interest compared to the Snowball method

Disclosure

These calculators provide hypothetical projections for educational purposes only. Actual results will vary based on your individual circumstances. Return rates shown are examples only and are not guaranteed. This tool does not constitute investment advice.

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⚔️This is Step 4: The Debt Kicker

Knowing the Math Is Step One. Sticking to the Plan Is Where Coaching Comes In.

The Debt Kicker is Step 4 of the 10-Step Framework. We will build your personalized payoff strategy and keep you accountable every week until the last balance hits zero.

Let Us Help You Build Your Payoff Plan See the Full 10-Step Framework