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LOANS & DEBT / FREE CALCULATOR

Debt avalanche calculator

Pay your highest interest rates first and see the total interest cost.

Method and references reviewed 5 November 2026
YOUR NUMBERS

Let’s work it out.

Download
R
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Editable scenario, not a guaranteed return or a market quote.
R
R
%
Editable scenario, not a guaranteed return or a market quote.
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%
Editable scenario, not a guaranteed return or a market quote.
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Leave blank to estimate the first payment one month from today. Monthly dates are estimates, not a lender schedule.

Calculated on your device. Save a copy only when you choose.

A CLEARER PICTURE

Planned monthly debt budget

R 2 700,00

21 monthly payments to clear the entered debts

Starting debt
R 50 000,00
Interest over modelled period
R 6 489,45
Payments over modelled period
R 56 489,45
Remaining after modelled period
R 0,00
See the full breakdown
ESTIMATE · NOT A QUOTATION

Save this scenario, then change your inputs to compare the results.

BEHIND THE NUMBER

Your calculation, unpacked.

Starting debt
R 50 000,00
Interest over modelled period
R 6 489,45
Payments over modelled period
R 56 489,45
Remaining after modelled period
R 0,00
Other strategy interest over its modelled period
R 6 489,45
Other strategy term
21 months
UNDERSTAND THE TRADE-OFFS

Small changes.
Different possibilities.

Try changing one input at a time. Compare the total cost, as well as the monthly number.

View repayment schedule · 21 payments
Payments, interest and remaining balance. Fees include ongoing insurance.
PaymentDateTotal paidPrincipalInterestFeesBalance
1—R 2 700,00R 2 083,33R 616,67R 0,00R 47 916,67
2—R 2 700,00R 2 114,11R 585,89R 0,00R 45 802,56
3—R 2 700,00R 2 145,37R 554,63R 0,00R 43 657,19
4—R 2 700,00R 2 177,12R 522,88R 0,00R 41 480,07
5—R 2 700,00R 2 209,37R 490,63R 0,00R 39 270,70
6—R 2 700,00R 2 242,13R 457,87R 0,00R 37 028,57
7—R 2 700,00R 2 273,04R 426,96R 0,00R 34 755,53
8—R 2 700,00R 2 303,41R 396,59R 0,00R 32 452,12
9—R 2 700,00R 2 334,22R 365,78R 0,00R 30 117,90
10—R 2 700,00R 2 365,44R 334,56R 0,00R 27 752,46
11—R 2 700,00R 2 397,10R 302,90R 0,00R 25 355,36
12—R 2 700,00R 2 429,19R 270,81R 0,00R 22 926,17
THE WORKINGS

How this calculation works

Monthly interest is added to each balance. After entered minimums, available money is paid to the highest annual rate first. Cleared debt payments stay in the original monthly budget and roll to the next debt.

A worked example

With equal budgets and no fees, paying a 24% debt before a 12% debt generally reduces interest compared with prioritising a smaller low-rate balance.

Assumptions & limitations

  • Balances and rates remain fixed except for interest and repayments. Actual card minimums can vary, so enter conservative fixed amounts and update the plan when statements change.
  • Only five debts and 600 monthly periods are supported. The calculator shows any remaining debt instead of inventing a payoff date.
KEEP EXPLORING

Another piece of the picture.

Loan repaymentDebt payoffDebt snowball

Read a little further.

Loans & credit5 MIN READ

How personal loan interest works

Make sense of a nominal rate, an instalment and the total amount you will repay.

Read the guide