Two proven strategies, one winner for your debts. Enter up to three balances below and see how the avalanche (highest rate first) compares to the snowball (smallest balance first) — in months, payoff date, and total interest. Learn the mechanics in our guide to how credit card interest actually works.
Debt 1
Debt 2
Debt 3 (optional)
Minimum payments are assumed to stay the same as balances fall; when a debt is cleared, its payment rolls into the next target (that’s what makes both strategies work). If your minimums don’t cover the monthly interest, no strategy can work until payments increase.
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