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Avalanche vs. snowball calculator

The avalanche method targets your highest-APR debt first — minimizing total interest paid over time. The snowball method targets your smallest balance first — giving you early wins that can build momentum. Enter your debts below and an optional extra monthly payment to see both strategies side by side: time to debt-free, total interest, and the order each debt gets cleared.

Your debts

Enter each debt you want to pay off. All rates are annual (APR).

This extra amount is applied to the target debt each month — it's the engine of both strategies.

Both strategies reach debt-free in the same amount of interest with these numbers.

Avalanche — highest APR first

Time to debt-free
3 yrs 9 mos
Total interest
$7,800
Total paid
$26,300

Payoff order

  1. 1Card 2
  2. 2Card 1
  3. 3Card 3

Snowball — smallest balance first

Time to debt-free
3 yrs 9 mos
Total interest
$7,800
Total paid
$26,300

Payoff order

  1. 1Card 2
  2. 2Card 1
  3. 3Card 3

This calculator runs entirely in your browser — nothing you enter is sent, stored, or shared. Results are estimates for education only, not an offer, quote, or guarantee of any rate, term, or savings. Actual figures depend on your credit and the lender.