Compare momentum versus savings with your real debt numbers.

If you’re torn between the emotional lift of the snowball and the interest savings of the avalanche, this side-by-side view makes the decision much easier.

Best for: choosing between the two main payoff methodsSingle inputTwo outcomesClear dollar tradeoff

Your Debts

Debt 1

Balance ($)

Rate (%)

Min. ($)

Debt 2

Balance ($)

Rate (%)

Min. ($)

Debt 3

Balance ($)

Rate (%)

Min. ($)

Name	Balance ($)	Rate (%)	Min. Payment ($)

Extra monthly payment

Applied on top of minimums — same amount used for both methods.

Snowball method

Pays off the smallest balance first. Gives you the fastest early wins. Good if motivation is your challenge.

Avalanche method

Pays off the highest interest rate first. Saves the most money overall. Good if you can stay disciplined without quick wins.

Want a deeper breakdown? Read: Snowball vs. Avalanche — which is right for you?