Calculator
Compare snowball and avalanche in one place, then see how your payoff date, monthly progress, and interest change.
Add your debts and payment assumptions, then compare snowball with avalanche.
Results
Run the plan to compare payoff timing, total interest, and the month-by-month path for each strategy.
Add your debts and run the calculator.
How it works
The snowball method pays off your smallest balance first, giving you quick wins that build momentum. The avalanche method targets the highest interest rate first, saving you the most money over time. Both strategies work — the best one is the one you will stick with.
Extra payments can shorten the estimated payoff timeline and reduce interest. Test a small increase in the calculator to see how the change affects your own figures.
After running the calculator, you will see your estimated debt-free date, total interest paid, and a month-by-month breakdown. Compare the two strategies side by side to decide which approach fits your situation.
