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Compare the Snowball and Avalanche strategies side by side and see which pays off your debt faster and cheaper — entirely in your browser.
Add at least one debt with a balance to compare strategies.
Balance, APR, and minimum payment for each one — credit cards, loans, anything.
However much extra you can put toward debt each month, on top of the minimums.
Snowball (smallest balance first) vs Avalanche (highest interest rate first), side by side.
Snowball targets your smallest balance first, regardless of interest rate — it builds momentum with quick wins. Avalanche targets your highest interest rate first — it mathematically minimizes total interest paid. Avalanche usually saves more money; Snowball is often easier to stick with.
Yes. Every simulation runs entirely inside your browser tab — your balances, rates, and payments are never sent anywhere.
Minimum payments go to every debt each month. Your extra payment goes entirely toward the current target debt (smallest balance for Snowball, highest rate for Avalanche). Once a debt is paid off, its minimum payment gets added to what you're putting toward the next target.
No, this is an estimate based on the numbers you enter, assuming steady payments and no new charges. Actual payoff timelines can vary.