Debt Snowball vs. Debt Avalanche Calculator

Compare both debt payoff strategies and see which one could get you debt-free faster, save more interest, and fit your motivation style.

Debt snowball: pays the smallest balance first for faster emotional wins.
Debt avalanche: pays the highest interest rate first to usually reduce total interest.

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Your comparison

Debt Snowball

Estimated payoff time
Estimated payoff date
Total interest paid
Total amount paid

Debt Avalanche

Estimated payoff time
Estimated payoff date
Total interest paid
Total amount paid

Snowball payoff order

    Avalanche payoff order

      This calculator assumes you continue making every required minimum payment and apply the extra monthly amount to one target debt at a time. Results are estimates and may differ from lender calculations, fees, promotional rates, or changing interest rates.

      Which strategy should you choose?

      Choose the snowball method if quick wins help you stay motivated. Paying off a smaller account early can make the plan feel more achievable.

      Choose the avalanche method if your main priority is mathematical efficiency. It will usually charge less interest when rates differ meaningfully.

      The best method is the one you will consistently follow. A slightly less efficient plan that you complete is better than a perfect plan you abandon.