Compare the debt snowball and debt avalanche methods using your balances, APRs and minimum payments. See how long it could take to become debt-free, how much interest you may pay, and which balance to attack first.
This is a planning calculator, not regulated debt advice. Interest is estimated monthly from the APR you enter. Lenders may apply fees, promotional rates, changing minimum-payment rules or different compounding methods.
Snowball focuses on motivation by clearing the smallest balance first. Avalanche focuses on total cost by attacking the highest APR first. If two plans look close, cash-flow stability and sticking to the plan may matter more than the mathematical winner.