Debt Payoff Calculator

Snowball vs avalanche — see your debt-free date and interest saved, side by side.

Debt name	Balance ($)	APR %	Min pay ($)

Extra payment per month ($)

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Add at least one debt to compare.

Snowball vs avalanche

Snowball: pay smallest balance first. Quick wins keep you motivated — best if you've quit payoff plans before.
Avalanche: pay highest APR first. Mathematically cheapest — best if you'll stick to the plan regardless.

The difference is usually smaller than people expect. Pick the one you'll actually follow.