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Debt Snowball vs. Avalanche Calculator

Enter your debts and an extra monthly payment. We compare the two proven payoff methods — snowball (smallest balance first) and avalanche (highest rate first) — so you can see which clears your debt faster and cheaper.

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Debt name

Balance

Rate (APR %)

Min payment

Extra monthly paymentOn top of all minimums.

	Debt-free in	Total interest
❄️ Snowball (smallest first)	–	–
🏔️ Avalanche (highest rate first)	–	–

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Snowball vs. avalanche — which should you use?

Avalanche pays the highest-interest debt first. It always costs the least interest and clears debt soonest mathematically.
Snowball pays the smallest balance first. It costs slightly more but delivers quick early wins that keep many people motivated.

The best method is the one you'll stick with. This tool shows the real cost difference so you can choose with eyes open.

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