Debt Payoff Planner
Compare the avalanche and snowball methods. Crush your debt faster.
Your Debts
Avalanche (highest rate first)
5y 0m
Payoff: June 2031
Total interest: $4,707
Snowball (smallest balance first)
5y 0m
Payoff: June 2031
Total interest: $4,707
Total debt: $35,000
The avalanche method usually saves more money in interest. The snowball method gives you faster wins, which can help you stay motivated. Both work — pick the one you'll actually stick with.
Consider consolidating high-interest debt
If you have multiple credit cards above 15%, a fixed-rate consolidation loan can dramatically cut your interest cost and simplify payments.
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