Debt Payoff SimulatorSnowball or avalanche?
Snowball or avalanche?
See the difference.
Enter your debts and an extra monthly payment. We’ll compare the two most popular payoff strategies—how fast each clears your debt and how much interest each costs.
DebtBalanceAPR %Min / mo
$%$
$%$
$%$
$%$
SnowballSmallest balance first — fast wins
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Interest paid: —
AvalancheHighest APR first — least interest
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Interest paid: —
Both beat minimums-only. Avalanche usually costs the least interest; snowball gives quicker early wins that keep you motivated. The best plan is the one you’ll actually stick to.
Educational only. These activities explain how credit and consumer-protection laws generally work. They are not legal or financial advice, and no outcome is guaranteed. For your own case, use your secure portal or speak with a qualified professional.