⛓️ Debt payoff calculator: snowball vs avalanche
Which order gets you debt-free faster?
Snowball: smallest balance first
Debt-free in 36 months · Interest paid: $3,061
Avalanche: highest interest first
Debt-free in 35 months · Interest paid: $2,937
Avalanche saves $124 in interest. Snowball gets you the first win sooner.
How it works
Every month each debt charges interest and gets its minimum payment. The rest of your budget, plus the old minimum of every debt you've paid off, goes to the target debt.
Estimates for learning, not financial advice. Real returns change from year to year.
📚 Learn the idea
- 🌱Crush Debt: Snowball vs Avalanche
- 💳Credit Cards: Magic Trick or Trap
- 💳APR & The Minimum Payment Trap
- 💳Loans 101 — What Borrowing Really Costs
- 💳Digging Out: Snowball vs Avalanche
- 💳Lower Your Rate, Beat Debt Faster
- ✨Snowball vs Avalanche, Picked For You
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