Debt Payoff Calculator — Avalanche vs. Snowball (2026)
Compare the debt avalanche and debt snowball methods side by side: see how long each takes and how much interest each costs for your actual debts.
$200
Total minimum payments across all debts: $280/mo. The extra amount above is on top of that.
Avalanche
Highest interest rate first
Debt-free in3 yr 10 mo
Total interest$2,864
Snowball
Smallest balance first
Debt-free in3 yr 10 mo
Total interest$2,864
Avalanche vs. snowball, for you
Your debts have similar rates, so both methods land close to the same result here.
Estimate only. Assumes interest accrues monthly on the remaining balance at a fixed APR, minimum payments stay constant, and every dollar of extra payment goes to one priority debt at a time. Doesn't model variable-rate changes, fees, or promotional 0% periods. Not financial advice.