100% free tool

Snowball vs Avalanche
— which wins for you?

Pop in your debts, see exactly when you’ll be debt-free under each method, and get a plain-English recommendation on which to choose.

Your Debts
# Debt Name Type Current Balance ($) Interest Rate (% APR) Min. Monthly Payment ($)

Payment frequency
Extra payment / month

Extra payment is applied to your priority debt each month after paying all minimums. When a debt is paid off, its minimum rolls over automatically. Minimum payments are entered as monthly amounts and split to match your chosen frequency.


Pay minimums on all debts · attack the smallest balance first