FREE MONEY TOOLS · ZAR
Debt payoff planner
Compare smallest-balance and highest-interest approaches.
No sign-in. No credit check. Your inputs stay in this browser unless you choose to save a file.
A plan for your existing debts
Debt A
R
%
R
Debt B
R
%
R
R
Highest-interest-first approach
11 months
| Approach | Months | Total repayment | Interest |
|---|---|---|---|
| Snowball | 11 | R7,129.94 | R629.94 |
| Avalanche | 11 | R7,087.83 | R587.83 |
Snowball prioritises smaller balances; avalanche prioritises higher rates. Monthly interest, fixed total monthly budget and end-of-month payments assumed; fees excluded. The model stops at 600 months. This is not a consolidation offer or formal debt-counselling referral.