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Debt Snowball vs Avalanche Calculator
Which payoff strategy should you actually use — the mathematically optimal Avalanche, or the motivating Snowball? See the real numbers side by side.
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Your results
Avalanche (by interest rate)
2y 10mo
$3,235 interest
Snowball (by balance)
2y 10mo
$3,235 interest
Mathematically: Avalanche saves you $0 in interest. Psychologically: Snowball clears your smallest balance first, which many people find easier to stick with. Pick the one you'll actually follow through on.
Financial Intelligence
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