Which strategy is usually best for saving money?

Avalanche usually saves the most interest because it overpays the highest APR debt first. But the best strategy is the one you can follow every month.

What counts as real data in this tool?

Your debt inputs are real data. The tool can also use live UK sources such as Bank of England base rate and Postcodes.io region lookup for context.

What counts as an estimate?

Debt-free dates and total interest are estimates based on your inputs and the assumption that payments stay consistent each month.

Can I trust the payoff month?

Use it as a planning estimate. It is reliable when your APR and payments stay stable, but real lender changes can move the date.

Can I export the plan?

Yes. You can export strategy results as CSV and review them later.

What are the refinancing opportunities flags?

The tool compares each of your debts to the UK typical APR for that debt type (from our market-rate reference dataset). If a debt is priced more than three percentage points above the typical rate, it is flagged with an estimated annual interest over-spend so you can see whether a 0% balance transfer, remortgage, or new loan would save money before your overpayment plan even begins.

Debt Repayment Calculator UK

Compare avalanche vs snowball repayment orders and see which debt to pay off first.

⏱️ 3-5 minutes

💪 Short

Monthly overpayment budget

Plan length

Postcode (optional)

Used only to fetch your UK region from Postcodes.io.

Your debts

Debt 1

Credit Card

Debt name

Debt type

Current balance

APR

5.0% below UK average

Minimum monthly payment

Recommended Partner Service

🔥20% off a year of Moola Pro

Exclusive Discount:

Take control of your net pay and investments. Build your financial freedom strategy with Moola Pro.

Start Planning with Moola

We may earn a commission on purchases at no extra cost to you. While we only partner with trusted platforms through reputable affiliate networks, all services and accounts are managed directly by the provider, who will handle any customer care or account needs.

How This Tool Works

Use this tool to choose an overpayment order that cuts interest and helps you become debt free sooner.Read our full guide: Avoiding Common Debt Payoff Mistakes: How to Use Avalanche vs Snowball

1
Enter each debt from your latest statement (balance, APR, minimum)
2
Set the extra amount you can overpay each month
3
Compare Avalanche, Snowball, and Hybrid and choose the plan you can stick to

Watch on YouTube

Debt Overpayment Priority Planner Complete Guide

Learn how the planner ranks your debts, where each number comes from, and how to use the output to make a practical monthly overpayment plan.

📅 Last updated: 2026-03-23

Quick Tips

Jump-start your understanding with these essential tips

Enter the latest balance, APR and minimum payment from each statement. Real values give far better results than memory-based estimates.

Run a second scenario with a lower or higher overpayment amount so you can see how sensitive your debt-free date is.

Update the tool after rate changes, balance transfers or income changes to keep your plan realistic.

Step-by-Step Guide

Follow these steps to get the most from this tool

For each debt, enter the current balance, annual interest rate (APR), and minimum monthly payment. If one of these is missing, your plan can be misleading.

💡 Pro Tips:

•Keep debt names clear so you can action the plan quickly.
•If your APR is variable, update it when your lender changes it.

The planner calculates all three strategies from the same inputs. You can compare total interest, debt-free date, and monthly pressure before picking one.

💡 Pro Tips:

•Avalanche usually saves the most interest.
•Snowball can feel easier to stick with because smaller debts clear earlier.

Set up your overpayment on payday and keep minimums active for all debts. Re-run the tool if your budget changes so your next payment order stays optimal.

💡 Pro Tips:

•Export CSV to keep a record.
•Pair this with your monthly household budget review.

Advanced Topics

Deep dives for advanced users

Build a stronger plan by combining this tool with Household Cashflow Reset Planner, UK Budget Income Planner, and Emergency Fund Runway Calculator. These tools help you protect overpayments without creating cashflow stress.