A free, UK-specific debt repayment calculator. Enter income, essentials and debts once, then compare Snowball, Avalanche, Hybrid (switch after N) and Custom side-by-side. See your debt-free date, months and estimated interest instantly.

Snowball vs Avalanche Calculator UK - Free Comparison

No sign-up. No email. Instant results. Inputs stay in your browser. Use this preview to choose a strategy before you build your full plan.

Compare methods free

Prefer a ready-made schedule? Build My Plan - £14.99

Budget

Enter Income, Essentials, and optional Emergency fund. We compute your budget for debts.
Using per month: £0

Debts

One row per debt. Type should be APR for credit cards/loans and EAR for overdrafts.
Promo fields are APR-based and apply during promo months.

Compare strategies

Tick any (or all). Custom uses the drag order you set above.
When off (recommended), 0% promos are usually paid after higher-cost debts.
When off (recommended), permanent 0% debts only get minimums until all interest-bearing debts are cleared.

Results

Not financial advice. If you’re struggling to cover essentials, consider contacting a free UK debt advice charity.

How to use this calculator (step-by-step)

Enter your budget first, then your debts, compare methods, and turn the winner into a plan.

Step 1

Enter income & essentials

Start with your monthly income and essential costs. We’ll auto-calculate what’s left for debts each month.

    Get Your Personalised Month-by-Month Repayment Plan

    Turn your preview into a plan

    Compare methods free

    What you’ll see after you click “Run Comparison”

    You’ll get a side-by-side summary for each method:

    • Debt-free date and months to go

    • Estimated total interest and interest saved

    • Milestones (e.g., “Mar 2027 — Clear Personal Loan”)

    • A table showing each debt’s APR, clear month and payoff order

    Use this preview to decide which strategy fits you - motivation (Snowball), interest savings (Avalanche), balanced Hybrid or Custom.

    Like the results? Create a personalised month-by-month PDF with:

    • Exact monthly payments per debt (minimums + extra)

    • Payoff order & milestones for Snowball / Avalanche / Hybrid / Custom

    • Printable calendars until you’re debt-free

    • What-If analysis (optional): enter a monthly extra to see time/interest saved.

    • Your debt-free date and total estimated interest

    One-time £14.99. Instant download. No credit check. Not financial advice.

    Build My Plan — £14.99

    • Snowball targets the smallest balance first for quick wins; Avalanche targets the highest APR to cut interest the most. Hybrid starts with quick wins, then switches to APR-attack after N debts (or reverse).

    • Yes. Overdrafts can be added as a debt type; promos are handled with “0% promo months” so interest starts at the right time.

    • No. Inputs stay in your browser; nothing is saved on our servers.

    • Yes - use Custom to set the exact order you want.

    • The tool uses the real minimums you enter first, then allocates any leftover budget according to your chosen method.

    • No - it’s a self-guided planning tool. If you’re struggling to meet essentials or repayments, consider free, regulated UK help like StepChange or National Debtline.