Finance & Irish taxes
Debt avalanche and snowball Calculator
Allocate a fixed debt budget across several balances. This free debt avalanche and snowball calculator shows the calculation and its assumptions so you can compare your own figures.
Calculated on your device
Your results
Repayment Months27
Allocate a fixed debt budget across several balances.
Total Interest€1,286.05
Calculated outcomes
- Total Repayments
- €13,286.05
Clearing Order · 2 rows
| Debt | Cleared Month |
|---|---|
| 1 | 14 |
| 2 | 27 |
Assumptions and estimates
- Rows are balance, annual interest %, fixed minimum payment. Avalanche targets highest rates; snowball targets smallest balances. Extra cash and cleared minimums roll into the next debt. Rates and minimums stay fixed.
- Method: Pay fixed minimums; roll the remaining budget into highest-rate or smallest-balance debts.
- Rows: balance, annual rate %, monthly minimum. Rates and minimums remain fixed.
Useful next steps
- Use Compare options to test an alternative side by side.
- Copy, print or download a record of this calculation when you need one.
Reports open your email app addressed to s@s1.ie with the public page address only. Your inputs are never added.
How the debt avalanche and snowball calculation works
Pay fixed minimums; roll the remaining budget into highest-rate or smallest-balance debts.
Rows: balance, annual rate %, monthly minimum. Rates and minimums remain fixed.
Using this calculator
- Enter your own figures in the labelled inputs. Keep the currencies, units and time periods consistent.
- Choose any applicable rate profile, pattern or assumption shown for this tool. Open additional inputs when relevant.
- Review repayment months and total interest, then read the stated assumptions and eligibility conditions before using the result.
Worked example
This is a static example using illustrative inputs, not facts about you or today’s date. The displayed eligibility selections and assumptions apply only to this example.
See example inputs
- Debts: balance, annual rate %, monthly minimum
- 4000, 18, 120 8000, 7, 180
- Total monthly debt budget (€)
- 500
- Extra-payment strategy
- Highest interest first
- Repayment Months
- 27
- Total Interest
- €1,286.05
Related calculators
Salary Tax Calculator Ireland 2026 ↗VAT Calculator Ireland ↗Capital Gains Tax Calculator Ireland ↗Inheritance and Gift Tax Calculator Ireland ↗DIRT Savings Interest Tax Calculator Ireland ↗Emergency Tax Calculator Ireland 2026 ↗
All finance & irish taxes calculators →