Snowball vs. avalanche
Compare two payment orders with the same monthly budget.
A clearer picture starts with the inputs.
Enter the figures, then calculate. The result will show here with the important limits.
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Method, assumptions & limits
The calculation runs in your browser. Inputs are not submitted to a provider and are not saved to an account. Your browser may restore form values when you navigate back. Use Reset inputs when finished on a shared device. Figures are illustrative US dollars. Uses APR ÷ 12, monthly interest rounded to the nearest cent (positive half-cents round up) and the fixed minimums you enter. Extra money follows highest rate first (avalanche) or smallest remaining balance first (snowball). Ties use row order. Freed payments remain in the monthly budget. Does not model changing contractual minimums, new borrowing or fees. A debt can grow if its minimum is below interest even while another debt is targeted. Results stop at 1,200 months.
Sources for this page
Selected public guidance checked October 29, 2026. Source guidance is general; laws, contracts, program terms and individual circumstances can change the result. How we use sources.
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