💳 Debt Payoff Planner
Avalanche vs Snowball — see which method saves you more money and gets you debt-free faster. From Micro Moves, Macro Gains, Chapter 4.
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Your Debts
Recommended Method
avalanche Method
Pay highest interest rate first — mathematically optimal.
You save
$0
vs the other method
🔥 Avalanche Method
BestHighest interest rate first
⛄ Snowball Method
Smallest balance first
💡 Avalanche vs Snowball — Which Should You Use?
🔥 Avalanche (mathematically optimal)
Pay the debt with the highest interest rate first. You pay less total interest. Best if you're motivated by seeing big numbers drop and want to optimize every dollar.
⛄ Snowball (psychologically optimal)
Pay the smallest balance first. You pay off debts faster, getting wins early. Best if motivation is your challenge — research shows people stick to snowball longer.
Bottom line: the best method is the one you'll actually stick with. Both beat minimum-only payments by a massive margin.
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