Compare Snowball vs Avalanche, see exactly how extra payments save you thousands, and get your payoff plan.
Add your first debt above or load sample data to explore.
Enter your debts. Add each debt with its balance, interest rate, and minimum payment.
Compare strategies. See Snowball (smallest balance first) vs. Avalanche (highest interest first) side by side with visual charts.
Add extra payments. See how paying more each month reduces total interest and speeds up your payoff timeline. Export the plan as PDF.
The Snowball method pays off the smallest debt first to build momentum, regardless of interest rate.
The Avalanche method targets the highest-interest debt first, saving the most money in total interest over time.
Mathematically, Avalanche saves more. But Snowball provides faster psychological wins. This tool shows the exact difference for your debts.
Extra monthly payments reduce the principal faster, significantly cutting the time to payoff and the total interest paid.
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