Estimate payoff time and interest when prioritising the highest-rate balance.. It is designed to answer the common UK search intent for this topic with the key assumptions shown clearly.
DEBT REPAYMENT
Debt avalanche calculator
Estimated result
31 months
- Starting balance
- £12,000
- Total interest
- £3,474
- Estimated total paid
- £15,474
- Priority order
- Card A → Card B → Loan
Applies minimum payments to every open account, then sends the remaining budget to the highest-APR balance. Rates and payments are held constant and promotional expiry dates are not modelled.
Estimate payoff time and interest when prioritising the highest-rate balance.
Estimate payoff time and interest when prioritising the highest-rate balance.. It is designed to answer the common UK search intent for this topic with the key assumptions shown clearly.
A worked example helps users compare the result against their own numbers and see why a headline rate does not always produce the same cash outcome.
- Different tax codes, payroll periods, Scottish bands, pension methods or lender assumptions can change the outcome.
- One-off bonuses, pay frequency, overpayments, allowances and reliefs can move the result away from a simple annual estimate.
- Where a rule depends on eligibility or legal status, this page shows an estimate and links to official guidance.
SOURCES & REVIEW
Checked against official guidance
Last reviewed 1 September 2026 · Rule version GB-2026.27.1
Daily/weekly source monitoring. If a source changes, the affected rule set is reviewed before publication.
All source links are kept visible so you can verify the figures used on this page.
Source line: Source links are kept visible and the method is reviewed for the current UK release.
MoneyHelper: How to prioritise debts ↗Sources, methodology and update policy →Report an issue or correction →WHY RESULTS DIFFER
Why two users can see different results
Why the result can differ
Different tax codes, payroll periods, Scottish bands, pension methods or lender assumptions can change the outcome.
One-off bonuses, pay frequency, overpayments, allowances and reliefs can move the result away from a simple annual estimate.
Where a rule depends on eligibility or legal status, this page shows an estimate and links to official guidance.
This section is intentionally repeated on key tools so the explanation stays near the result instead of being hidden in a separate policy page.
COMMON QUESTIONS
Frequently asked questions
Is this an exact lender, payroll or tax return?
No. It is an estimate based on the inputs and assumptions shown.
When was this checked?
The method and linked official guidance were reviewed for the current UK release.
Can the result change later?
Yes. Rate changes, source updates and personal circumstances can change the output.