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Compare debt snowball vs avalanche strategies and find the fastest path to freedom. See exactly how much interest you'll save.
Amount above minimum payments to accelerate payoff
Total Debt
Avg Interest Rate
Minimum Payments
Extra Payment
Avalanche Method (Highest Interest First)
25 months
Snowball Method (Smallest Balance First)
26 months
Avalanche Saves You
Time Difference
$5,000 at 22.0% APR
$3,000 at 18.0% APR
$3,000 at 18.0% APR
$5,000 at 22.0% APR
Avalanche: Pay minimums on everything, then throw extra money at the highest interest debt. Mathematically optimal—you pay the least interest overall.
Snowball: Pay minimums on everything, then attack the smallest balance first. You get quick wins that build momentum, even if you pay slightly more interest.
Research shows the snowball method has higher completion rates because the psychological wins matter. But if you're disciplined, avalanche saves money.
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