Snowball vs avalanche
Avalanche minimizes interest by attacking the highest APR first; snowball kills the smallest balance first for quick motivational wins. The math favors avalanche, but the best plan is the one you'll actually follow.
Debt Payoff Calculator
Plan a fixed monthly budget across multiple debts using snowball or avalanche order.
Enter your details and press Calculate to see results.
Formula
Fixed-payment amortization across consolidated balance; strategy affects ordering, not math
Example
$15,000 at 18% with $500/month is debt-free in about 38 months paying ~$3,700 interest.
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Frequently asked questions
Which saves the most money?
Avalanche, whenever rates differ meaningfully between debts.
What if my budget barely covers minimums?
Look at expense cuts or income increases before adding new debt; the calculator shows when a budget is below the level needed to make progress.
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