Enter your debts, set your extra monthly payment, and see which payoff strategy wins.
Pay off debts from smallest balance to largest, regardless of interest rate. Each payoff frees up cash that gets rolled into the next debt. Best for motivation — quick early wins keep you on track.
Pay off debts from highest APR to lowest. Mathematically optimal — you always minimize total interest paid. Best if you're disciplined and want the lowest possible cost.
Your Debts
Results
Side-by-Side Comparison
| Metric | Snowball | Avalanche |
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