Debt payoff strategy

Debt Snowball vs Avalanche Calculator

Compare the emotional momentum of paying the smallest balance first with the interest-saving power of paying the highest APR first.

Total monthly debt budget ($)

Minimum payment floor per debt ($)

Debt 1 balance / APR

Debt 2 balance / APR

Debt 3 balance / APR

Minimum payment assumption

Avalanche payoff

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Snowball payoff

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Best money move

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Next action plan

Estimate only. APRs, fees, changing minimum payments and new spending can change the result.