Calculate how long it takes to pay off debt and total interest. Compare avalanche vs snowball methods.
| Monthly Payment | — |
| Months to Payoff | — |
| Total Interest | — |
| Total Paid | — |
| Debt-Free Date | — |
Avalanche: Pay highest-interest debt first — saves most money. Snowball: Pay smallest balance first — gives psychological wins. Both work; choose what keeps you motivated.
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