CALCULATOR
Debt Avalanche Planner
The mathematically optimal way to eliminate debt. Pay minimums on everything, throw every extra dollar at the highest interest rate first - and save the most money overall.
Debt avalanche saves more in interest than the snowball method. The snowball wins on motivation. You decide what matters.
Add a Debt
Amount above minimums to throw at the avalanche target
ACCELERATE PAYOFF
Cut the interest, not the timeline.
A balance transfer card at 0% intro APR can pause interest charges while you execute your payoff plan — every dollar goes to principal.
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Avalanche vs. Snowball
The avalanche targets your highest APR debt first. There's no mathematically better approach - you pay less interest and get out of debt faster than any other strategy. Full stop.
The snowball knocks out the smallest balance first. Slower and more expensive - but the quick wins keep some people going when the math alone doesn't. If sticking to the plan is your real problem, snowball beats a perfect strategy you abandon. If you're disciplined, avalanche wins on every number.
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How to Pay Off High Interest Debt Fast: 4 Methods That Work
Balance transfers, consolidation loans, avalanche, and one trick most people skip entirely.