Strategy guide
Debt Snowball vs Avalanche
Snowball prioritizes motivation. Avalanche prioritizes interest savings. Use the calculator to compare both methods with your actual balances, APRs, and extra monthly payment.
When snowball fits better
Choose debt snowball when consistency is your primary risk and small early wins help you stay engaged. It pays the smallest balance first, then rolls that payment into the next debt.
When avalanche fits better
Choose debt avalanche when reducing interest cost is the top priority and you can tolerate a slower first payoff. It pays the highest APR first after minimum payments.
How to compare the methods
Enter every balance, minimum payment, and APR. Then compare payoff month, total interest, and the month-by-month schedule. The better plan is the one you can actually follow.