Debt Payoff Planner. Enter your own figures, review the method and download a local financial report.
Workspace
Avalanche payoff time16 months
Minimums are paid first. The full original payment budget continues after each debt clears. Extra money follows the selected repayment order.
Snowball payoff time
16 months
Avalanche interest
KSh 38,799.00
Snowball interest
KSh 39,537.02
Interest difference: snowball less avalanche
KSh 738.02
Monthly payment budget
KSh 22,000.00
Financial comparison
Avalanche debt balance
Snowball debt balance
Select a point for its value.
Tap a point or use Tab to read its value. Exact values are also in the tables.
Avalanche repayment timeline
Avalanche repayment timeline
Month
Payment KSh
Balance KSh
1
22,000.00
292,750.00
2
22,000.00
275,201.25
3
22,000.00
257,347.90
4
22,000.00
239,183.96
5
22,000.00
220,703.32
6
22,000.00
201,899.74
7
22,000.00
182,766.83
8
22,000.00
163,298.08
9
22,000.00
143,486.85
10
22,000.00
123,373.36
11
22,000.00
102,985.52
12
22,000.00
82,319.48
13
22,000.00
61,371.33
14
22,000.00
40,137.13
15
22,000.00
18,612.87
16
18,799.00
0.00
1–16 of 16
Method, assumptions & sources
Interest accrues monthly at annual rate / 12, rounded to cents. No new borrowing, fees, variable rates or arrears are inferred. Avalanche sorts by rate; snowball sorts by the remaining balance after minimum payments.
More schedules, imports and original worksheet options
The original worksheet retains its documented methods, inputs and export options. Figures are not transferred automatically.
Results ready
Files and inputs stay on your device. Use Reset to clear this workspace.
Useful to know
Which assumptions are used in the result?
The calculation uses the values and options entered in the workspace. Financial scenarios do not insert current market rates, taxes or lender offers. The method and tool limits are shown so you can assess whether they fit your task.
Where are my files and inputs processed?
This tool processes your entries on your device. It does not upload them or save them in an account. Downloads remain on your device; Reset clears the current tool workspace.
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