Debt Roll-Up Calculator

Debt Roll-Up, or the "snowball" method, is a systematic approach of paying more than the minimum. As soon as the first balance is paid off, the freed-up payment amount is used to pay down the next debt even faster. As each debt is paid off, money continues to "roll up" to the next debt.

To use this calculator:

  1. Enter your debts in order from smallest to largest balance.
  2. Each entry requires current balance, interest rate, and monthly payment amount.
  3. The interest cost and number of payments left are calculated automatically as you type.
  4. You may also include an additional monthly amount to add to your first payment.

Press "Calculate Results" to see both your current plan and your Roll-Up plan, side by side.
Press "Create Payment Schedule" or "Create Payoff Summary" for a detailed month-by-month view.

# Creditor Balance ($) Rate (%) Payment ($) Interest Cost Payments Left
BalanceRatePaymentInterest CostPayments Left
Current totals N/A
Roll-Up totals N/A

Time and interest savings from your Roll-Up plan: saved in interest, fewer months.

Payoff Summary
Payment Schedule
All content is provided "as is", without warranty of any kind. This calculator is provided for illustrative purposes only; it does not take your full personal financial circumstances into consideration, and results are not guaranteed to be accurate or fit for any purpose. Results should not be taken as professional advice or relied upon as the sole basis for making financial decisions.