Loans & Debt

Debt Snowball vs Avalanche

List your debts and an extra monthly payment, and compare the two most popular payoff strategies side by side.

Your debts

DebtBalanceAPR %Min/mo

Extra monthly payment (on top of minimums) ($)

Avalanche - debt-free in-

Avalanche total interest-

Snowball total interest-

Avalanche saves in interest-

How it works

Avalanche targets your highest-interest debt first, which is mathematically the cheapest path. Snowball targets your smallest balance first for quick wins and motivation. In both, each minimum payment rolls into the next debt as balances clear. We simulate both month by month.

Estimates only, for education. See our disclaimer.

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