Interactive tool

Debt Payoff Strategy Comparator

Enter your debts and see exactly how snowball vs avalanche plays out — total interest paid, your debt-free date, and the payoff order for each method.

1
Your debts
Enter each debt. Up to 8 debts — use your numbers from Day 1's inventory.
Debt name Balance ($) Rate % pa Min. payment / mo ($)
2
Monthly acceleration
Extra you can put toward debt each month, on top of all minimum payments.
$

Even $50–$100 extra per month dramatically shortens your timeline. Enter 0 if you can only pay minimums right now — the comparison still works.