The “Debt Demolition” Planner (Avalanche vs. Snowball)

Debt Demolition

Crush balances with math or momentum. Compare Avalanche vs Snowball and choose your victory path.

Your Debts

Name Balance ($) APR (%)

Debt Avalanche (Mathematically Optimal)

Total Interest
$—
Debt-Free Date
—
Months
—

Debt Snowball (Motivation First)

Total Interest
$—
Debt-Free Date
—
Months
—

How it works: We simulate month-by-month at your APRs. Avalanche targets highest APR first; Snowball targets smallest balance first. As each debt dies, its payment snowballs to the next.