债务雪崩法计算器
使用债务雪崩法（优先偿还最高利率债务）制定还债计划，计算节省的利息总额和预计还清日期。
还清月数
56 months
Months to Pay Off vs Total Monthly Payment
公式
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)
计算示例
$30,000 total debt at 18% average rate, paying $800/month.
- 01Monthly rate = 18% / 12 = 1.5%
- 02Months = -ln(1 - $30,000 x 0.015 / $800) / ln(1.015)
- 03Months = -ln(0.4375) / ln(1.015) = 55.5 months (round to 56)
- 04Total paid = $800 x 56 = $44,800
- 05Total interest = $44,800 - $30,000 = $14,800
常见问题
Is the avalanche method better than the snowball?
Mathematically, yes. The avalanche method saves more money in interest. However, the snowball method (smallest balance first) provides quicker wins that can keep you motivated. Choose whichever you will stick with.
What if I cannot pay more than the minimums?
Even with minimum payments, focus extras on the highest-rate debt. Every extra dollar saves you the equivalent of that interest rate in return. Even $25-$50 extra per month makes a difference.
Should I stop investing while paying off debt?
If your debt interest rate exceeds your expected investment return (typically 7-10%), focus on debt payoff. Always contribute enough to get an employer 401(k) match -- that is a guaranteed 100% return.
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