Debt Snowball vs Avalanche Calculator
Enter up to four debts to see which order costs less and clears soonest.
Result
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Share sends a link that reopens these numbers. Copy details pastes the full breakdown as a list.
Side by side
Interest saved by avalanche —
Reading this —
The formula
pay minimums on all; put everything extra on the first target snowball: smallest balance; avalanche: highest APR
When a debt clears, its payment rolls on to the next target, so the amount attacking the debt keeps growing.
What to watch out for
Leave unused debts at zero.
Frequently Asked Questions
Is snowball or avalanche better?
Avalanche never costs more in interest, since the highest rate goes first. Snowball can be easier to stick with because small debts vanish quickly.