DebtCrushr is a free debt payoff calculator that compares the debt snowball and debt avalanche repayment strategies. Users enter their debts with balances, interest rates, and minimum payments, then see their exact debt-free date, total interest costs, and visual payoff timeline. The tool supports extra payment modeling with a slider showing how additional monthly payments reduce both time and interest. According to the Federal Reserve's 2023 Survey of Consumer Finances, the average American household carries ,951 in credit card debt and ,950 in auto loans. DebtCrushr runs entirely in the browser with no data sent to any server - your financial information stays completely private. No signup or account required.
The debt snowball method pays off your smallest balance first for quick psychological wins. The debt avalanche method targets the highest interest rate first to minimize total interest paid. DebtCrushr calculates both strategies side-by-side so you can see exactly how much you save with each approach.
Add your debts (balance, APR, minimum payment), choose snowball or avalanche strategy, and optionally add extra monthly payments. DebtCrushr instantly calculates your debt-free date, total interest paid, and shows a visual payoff timeline. All calculations run in your browser - your financial data never leaves your device.
DebtCrushr uses standard amortization calculations accounting for monthly interest accrual and minimum payments. It accurately models both snowball and avalanche strategies. According to the Federal Reserve, the average American household carries ,951 in credit card debt - DebtCrushr helps you create a plan to eliminate it.
Even an extra -100/month can save thousands in interest and years off your payoff timeline. DebtCrushr shows exactly how much time and money you save with any extra payment amount using an interactive slider from to ,000/month.