Finance
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Enter multiple debts with balances, APRs, and minimum payments, then add an extra monthly amount to see avalanche payoff order, timeline, and total interest.
Results are estimates for educational purposes and are not financial advice. Actual payoff timing depends on issuer policies and payment timing.
1. Add each debt with balance, APR, and minimum payment. 2. Enter an extra monthly amount. 3. Calculate to see payoff order (highest APR first), months to debt-free, and total interest.
Example: the same two debts with $100 extra—avalanche targets the higher APR loan first, often reducing total interest versus snowball.
Applies minimum payments to every debt, then sends extra payments to the highest APR balance first. This usually minimizes total interest compared with the snowball method.
Results are estimates for educational purposes and are not financial advice. Actual payoff timing depends on issuer policies and payment timing.
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Each month accrues interest, applies minimum payments, then applies all extra cash to the highest APR balance. Paid-off minimums roll into the extra pool.
Yes. Utilnivo tools are free to use and do not require an account.
Utilnivo does not require an account. See the privacy note on this page for how your data is processed for this tool.
Open the tool on this page, enter your inputs, and use the on-screen controls. No account is required.
This tool is one step in a longer job. Follow a workflow guide to see what to do before and after.
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