Schulden-Lawinen-Rechner — Formel

Debt Avalanche Method

The avalanche method pays off debts from highest interest rate to lowest, regardless of balance size.

How It Works

1. Make minimum payments on all debts 2. Put all extra money toward the highest-rate debt 3. When that is paid off, roll the payment to the next highest rate 4. Repeat until debt-free

Why Avalanche Wins Mathematically

This method minimizes total interest paid. The formula uses the standard amortization equation solved for number of payments:

n = -ln(1 - B*r/P) / ln(1+r)

Lösungsbeispiel

$30,000 total debt at 18% average rate, paying $800/month.

  1. Monthly rate = 18% / 12 = 1.5%
  2. Months = -ln(1 - $30,000 x 0.015 / $800) / ln(1.015)
  3. Months = -ln(0.4375) / ln(1.015) = 55.5 months (round to 56)
  4. Total paid = $800 x 56 = $44,800
  5. Total interest = $44,800 - $30,000 = $14,800