FREE FINANCIAL TOOL

Debt Repayment Calculator

Compare the debt snowball and debt avalanche methods using your balances, interest rates and available monthly repayment.

1. Add your debts

Enter up to four debts. Leave unused rows blank.

Debt nameBalanceInterest % p.a.Minimum payment
How it works: Snowball targets the smallest balance first. Avalanche targets the highest interest rate first. Both continue paying every minimum payment and roll freed-up payments into the next debt.
This calculator provides a general educational estimate and does not constitute personalised financial, credit, debt-counselling, legal or tax advice. Results assume that interest rates and payments remain unchanged, all payments are made on time, no additional debt or fees are added, and freed-up payments are redirected immediately. Actual lender calculations, fees and settlement amounts may differ. If you are struggling to meet repayments, contact your credit providers or an appropriately registered debt counsellor before missing payments.

YOUR DEBT PLAN STARTS WITH CLARITY

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Your calculation gives you a clearer picture of your debt. The next step is building a realistic repayment strategy around your income, expenses, interest rates and other financial goals.

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