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Debt Payoff Calculator
Add your debts. Compare Avalanche vs Snowball. See exactly when each debt disappears — and how much interest you save.
Your Debt Payoff Plan
Add all your debts below. Results compare both payoff strategies side-by-side.
Avalanche (highest APR first)
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Total interest: —
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Snowball (smallest balance first)
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Total interest: —
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Payoff Order (Avalanche)
Avalanche vs Snowball — Which Is Better?
Both methods work. The difference is mathematical efficiency vs psychological momentum.
Avalanche
Pay highest APR first- Saves the most in interest
- Mathematically optimal
- Best if you stay consistent
Snowball
Pay smallest balance first- Quick early wins
- Keeps you motivated
- Best if willpower is the issue
The real secret
Any extra payment above the minimum dramatically cuts your debt-free date. Even $50/month extra can save thousands in interest. Use the Extra Monthly Payment field above to see the math.