The Debt Snowball & Avalanche Calculator at Inisyght Tools lets you compare both payoff strategies side by side using your actual numbers. No sign-up, no data upload, no spreadsheets.
Here's exactly how to use it.
Open the calculator at inisyght.online/debt-calculator. You'll see a clean interface with three main areas: your debt list, strategy toggle, and results section.
For each debt, enter the name, total balance, APR (interest rate), and minimum monthly payment. The calculator comes pre-loaded with example data — replace it with your actual debts.
Use the "+ Add Another Debt" button to add more rows. Use the red ✕ to remove a row.
Enter the total amount you can put toward debt each month. This should be more than the sum of your minimum payments. The extra is what accelerates your payoff.
Toggle between Snowball (smallest balance first) and Avalanche (highest APR first). The calculator runs both scenarios so you can compare.
Hit the "Calculate My Payoff Plan" button. The tool instantly runs all three scenarios — Minimum Only, Snowball, and Avalanche — and displays the results side by side.
Three cards show you the big picture for each strategy: total paid, total interest, and payoff time. The difference between Minimum Only and either strategy is usually dramatic.
A line chart shows your remaining balance over time. The Snowball and Avalanche lines both drop much faster than the Minimum Only line. This visual is often the most motivating part of the tool.
Each debt payoff is marked as a milestone. See exactly when each debt will be eliminated and celebrate each win.
A month-by-month breakdown shows exactly what you'll pay, to whom, and when. Use this to plan ahead and track your progress.
Yes. Free. No hidden upgrades, no premium tier. It runs entirely in your browser with no backend server.
No. There's no sign-up, no email, no password. Just open the page and start entering your debts.
Not automatically — the calculator doesn't store data because it doesn't send data anywhere. Take a screenshot or bookmark the page with your numbers handy.
Yes. The interface is fully responsive and works on phones and tablets.
Enter your debts and see your personalized payoff plan in 30 seconds. No sign-up, no strings attached.
Open the Debt Calculator →