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Debt Snowball vs Avalanche Comparison
Enter your debts and extra monthly payment to compare the snowball (lowest balance first) vs avalanche (highest rate first) methods.
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Frequently Asked Questions
Which is better — snowball or avalanche?
Avalanche saves more money (you pay highest-rate debts first, minimizing total interest). Snowball provides faster psychological wins (smallest balances disappear first). Research shows snowball users are more likely to stay on track. The best method is the one you’ll actually follow.
Does extra monthly payment amount matter a lot?
Dramatically. Even $50 extra per month can cut years off debt payoff and save thousands in interest on a large debt. The extra payment accelerates payoff especially in the avalanche method where high-rate debt disappears fastest.