FreeByte

Which debt first calculator

Compare cost per dollar of two debts.

Built and reviewed by Dovanic, Founder and editor, FreeByteLast reviewed: 2026-08-18
$
6.5%
$
21%

Attack first

Debt B

Yearly cost difference

$60

With these inputs, attack first comes to Debt B. Yearly cost difference works out to $60. The result assumes debt a rate stays at 6.5%.

Debt A yearly interest
$780
Debt B yearly interest
$840

Solve for an input

Whatmakesequal

Compare scenarios

Save this set of inputs, change something, then save again to compare the outcomes side by side.

Compare cost per dollar of two debts.

A worked example

Starting figures

Debt A balance
$12,000
Debt A rate
6.5%
Debt B balance
$4,000
Debt B rate
21%

What it returns

Attack first
Debt B
Yearly cost difference
$60
Debt A yearly interest
$780
Debt B yearly interest
$840

How to read the results

With the defaults above, attack first works out at Debt B.

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