Compare debt snowball and avalanche using your real balances. See your payoff date, total interest, and monthly plan without creating an account.
Example payoff plan
Debt-free in 34 months
Starting debt
$25,500
Monthly budget
$890
Snowball
Fast wins
May 2029
$4,257 interest
Avalanche
Lowest interest
May 2029
Saves about $435
Your numbers
Enter each debt once. We’ll compare the same monthly budget across repayment strategies.
Debt 1
Monthly debt budget
Minimums
$0
Extra
$0
Total / month
$0
Snowball and avalanche keep this total monthly budget constant. When a debt is paid off, its available payment rolls to the next target.
Both strategies keep making required minimum payments. The difference is where the rest of your monthly debt budget goes.
Targets the smallest balance first. This can close individual debts sooner and provide visible progress, even when it is not the lowest-interest route.
Targets the highest interest rate first. With the same monthly budget and consistent payments, this generally minimizes interest cost.
Enter your balances, APRs, minimum payments, and extra monthly amount above. The calculator compares both approaches using the same payment budget so you can see the actual tradeoff for your debt mix.