Debt & Credit
Debt snowball vs avalanche: which wins?
Compare two popular payoff strategies. Avalanche saves interest, snowball builds momentum. See both timelines side by side.
Try the calculator
Enter your debts and extra monthly payment.
What this means
Avalanche targets the highest APR, saving interest. Snowball targets the smallest balance, creating quick wins. The best plan is the one you will stick to.
What to do next
Choose a strategy, then commit to a single extra payment amount. Consistency matters more than perfection.
FAQ
Which strategy saves more money?
Avalanche usually saves more interest because it targets the highest APR first. Snowball can feel easier to stick with.
Do I need exact balances?
No. Use your best estimates to compare strategies and then refine with real numbers.