← Rand Runway South African edition · Debt repayment calculator

How fast could you actually be debt-free?

Add your debts, add what extra you can pay, and compare snowball vs avalanche to see which gets you free faster and cheaper.

Not financial advice. This is general information and an illustrative estimate only — not financial, tax, or legal advice. Speak to a registered adviser or debt counsellor before restructuring your repayments. Please consult a registered, accredited financial adviser before making any decisions.

Your debts

On top of your minimum payments, directed at your priority debt.
Both strategies are always calculated and compared — this just picks which one drives the chart below.

Important

Rand Runway provides general information and illustrative calculations for educational purposes only. Nothing on this site is financial, tax, investment, or legal advice, and none of these results should be treated as a personal recommendation or relied on as a substitute for professional advice. Everyone's circumstances differ — before making any financial decision, please consult a registered, accredited financial adviser (or other suitably qualified registered professional, such as a SARS-registered tax practitioner) who can take your full situation into account.