Debt Snowball vs Debt Avalanche Payoff Calculator
Compare interest savings and payoff timelines between Dave Ramsey's Debt Snowball and mathematically optimal Debt Avalanche strategies.
Calculation Inputs
Calculation Results
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Enter inputs on the left and click Calculate to view results.
Formula & Methodology
Avalanche targets highest APR first (max math savings); Snowball targets lowest balance first (psychological momentum)
Avalanche minimizes total interest paid. Snowball builds fast psychological wins by eliminating small debts first.
Frequently Asked Questions
Which debt payoff method is better?
Mathematically, Avalanche saves more money. Behaviourally, Snowball has higher real-world completion rates.