Debt Payoff Calculator – Snowball vs Avalanche Plan

Compare the debt snowball and avalanche methods across all your debts. See your debt-free date and total interest saved.

Your debts (one per line: name, balance, APR %, minimum payment)

Extra monthly payment on top of minimums

Currency

Snowball: time to debt-free

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Snowball: total interest–

Avalanche: time to debt-free–

Avalanche: total interest–

Verdict–

Payoff order–

Financial estimate only, not certified financial or tax advice.

Debt snowball vs debt avalanche

Both methods pay the minimum on every debt and send all extra money to one target debt. The snowball targets the smallest balance first for psychological momentum. The avalanche targets the highest interest rate first, mathematically minimizing total interest paid.

Frequently asked questions

Which is better, snowball or avalanche?

Avalanche saves the most interest. Snowball clears small debts sooner.

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Cut interest while paying down debt

A 0% balance transfer card or low-rate consolidation loan can accelerate your payoff timeline.

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Debt Payoff Calculator – Snowball vs Avalanche Plan

Debt snowball vs debt avalanche

Frequently asked questions

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