Tool 12 of 30  ·  Debt

Avalanche vs snowball: see which strategy wins for your debts.

Enter up to 3 debts and your monthly budget. See which payoff strategy saves more interest.

📐 Verified math
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Your Parameters
Live
Debt 1
Debt 2
Debt 3
Your Budget
Best Debt Payoff Strategy
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calculating…
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What This Really Means
Adjust the sliders to see your personalised analysis.
Full Breakdown
Debt 1
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Debt 2
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Debt 3
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Total interest (avalanche)
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Payoff time (avalanche)
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Total interest (snowball)
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Payoff time (snowball)
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Interest saved by avalanche
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Common Questions

Avalanche vs snowball — which is better?
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Avalanche (highest APR first) always wins mathematically — it minimises total interest. Snowball (lowest balance first) wins psychologically — quick wins motivate continued payoff. This tool shows you the exact financial difference.
What if I have more than 3 debts?
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Add your three highest-APR debts first. Once paid, loop back and recalculate. The avalanche principle still applies.
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Disclaimer: For educational purposes only. Not financial advice. Projections use historical averages and are not guaranteed. Individual results will vary. Consult a qualified financial advisor before making financial decisions.