Avalanche (highest interest first) saves the most money. Snowball (smallest balance first) gives early wins. See exactly what the difference is for your debts.
Your debts
Extra monthly payment
This is the key lever — even $100/month extra dramatically accelerates payoff. The calculator applies this to the priority debt first (avalanche = highest rate, snowball = smallest balance), then rolls it to the next when that's paid.
Results
⛰️ Avalanche
Pay highest interest rate first
$0total interest paid0 monthsuntil debt-free
⛄ Snowball
Pay smallest balance first
$0total interest paid0 monthsuntil debt-free
Avalanche payoff timeline
Which should you choose? Avalanche saves more money — always. Snowball keeps more people on track because small wins feel good. If you've struggled to stick to debt payoff plans before, snowball's psychology might be worth the extra interest cost.