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Debt Snowball vs Avalanche: Which Strategy Pays Off Debt Faster?

Compare debt snowball (smallest balance) and debt avalanche (highest interest) strategies. Instantly model your plan, see savings, and find what works for you—no bank account or advisor needed.
Strategy Comparison
Debt Payoff Calculator
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Debt Snowball vs Avalanche dashboard

Debt Snowball vs Avalanche: How it Works

See which strategy pays off your debt faster and saves you more in interest.

  1. List your debts—amount, interest rate, minimum payment.
  2. Choose snowball or avalanche method.
  3. See your timeline, interest savings, and get AI-backed recommendations.
Debt snowball dashboard
Snowball vs Avalanche chart
Screenshots are from our actual app—test both payoff strategies for yourself.

Snowball vs Avalanche: FAQ

What’s better—debt snowball or avalanche?

Snowball is best for motivation, avalanche saves you the most money. Try both in our calculator to see your best fit.

Can I switch between methods?

Yes. You can switch at any time, or use a hybrid. Our scenario tool lets you test the impact instantly.

Do I have to link my bank accounts?

Never. DIY My Finances is privacy-first—just enter your debts and start modeling!