Avalanche vs Snowball, see when you'll be debt-free
| Card | Balance ($) | APR (%) | Min Payment ($) |
|---|
Avalanche pays minimums on every card, then throws all extra at the card with the HIGHEST APR. Mathematically optimal, minimizes total interest paid.
Snowball pays minimums on every card, then throws all extra at the card with the SMALLEST BALANCE. Suboptimal mathematically but psychologically powerful, quick wins keep momentum.
For most people with $5K-30K in card debt and 3+ cards, the difference is 6-24 months of payoff time and $500-3000 in interest. This calc shows both side-by-side.
Built by Sentinelle Systems LLC, federal contracting firm in Virginia. We built this because every credit-card calc on the web either gates results behind email signup or has 8 ads cluttering the result.
If you're a fed or contractor managing high balances during a hiring freeze, see our Federal Salary Calculator to model take-home alongside payoff.