Add your debts (balance, APR, minimum payment). We run both avalanche (highest interest first) and snowball (smallest balance first) so you can compare total interest and payoff order. Use recurring and one-time extra payments. All amounts in USD; interest compounds monthly.
Avalanche: Highest APR first. Snowball: Smallest balance first.
Avalanche
Debt-free in 20 months
Total interest: $967.76
Order: Debt d-1773418586314-6k7bn3y → Debt d-1773418586314-otmxvzd
Snowball
Debt-free in 20 months
Total interest: $1,086.57
Order: Debt d-1773418586314-otmxvzd → Debt d-1773418586314-6k7bn3y
Avalanche saves $118.81 in interest.
Avalanche targets the debt with the highest APR first while paying minimums on the rest, then rolls that payment into the next. It minimizes total interest. Snowball targets the smallest balance first for quick wins and psychological momentum. Use the chart and tables to see which fits your situation.