Two popular payoff strategies: the snowball (smallest balance first, for momentum) and the avalanche (highest interest first, for math). Enter your debts and extra payment to see exactly how much interest each costs — and which gets you debt-free cheaper.
Plan
$
Your debts
Debt
Balance
APR
Min / mo
$
%
$
$
%
$
$
%
$
Verdict
Avalanche — pay highest-APR first to save the most
Avalanche — total interest
$2,869
highest APR first
Snowball — total interest
$3,204
smallest balance first
The numbers
Avalanche saves you
$334
US$9.99 · download & own it forever
Prices in
🎁 Send this calculator as a gift
After payment you'll get a gift link + printable card to send.
How it's calculated
Both methods pay every minimum, then throw all extra at one target debt.
Avalanche targets the highest APR; snowball targets the smallest balance.
As each debt clears, its payment rolls into the next — we simulate both to the penny.
Avalanche always costs the least interest mathematically. Snowball can keep you motivated with quick wins — and the difference is often small. This shows your exact numbers.
Is my debt list saved?
Yes — in your browser on your device only. Add or remove debts anytime.