💳 Debt Payoff Planner
Compare debt snowball vs avalanche strategies. See which method saves the most interest and time.
Enter Your Debts
Which Strategy Is Better?
Debt Snowball: Pay off smallest debts first for psychological wins. Good for motivation.
Debt Avalanche: Pay highest interest rates first. Mathematically optimal — saves the most money.
How Extra Payments Work
Any extra monthly payment goes toward the target debt (smallest balance for snowball, highest rate for avalanche). Once a debt is paid off, its minimum payment is added to the extra payment for the next debt.