Debt Snowball vs. Avalanche

Pay smallest balance first for momentum, or highest rate first to save the most. See both, side by side.

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Avalanche saves

Interest vs. snowball
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Both methods put every spare dollar toward one debt while the others get interest-only. The avalanche targets the highest rate first and always pays the least total interest; the snowball targets the smallest balance first for quick, motivating wins. This simulates both with your total monthly budget. If the payment can't cover the combined interest, increase it.

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