Add your debts, choose your strategy, and see exactly when you'll be debt-free. Compare avalanche vs snowball to find which saves you more money.
The debt avalanche method targets the highest-interest debt first, minimizing the total interest you pay. The debt snowball method targets the smallest balance first, giving you faster psychological wins. Research shows both work — the best method is the one you'll actually stick with.
Even $100/month extra can dramatically cut your payoff timeline. On $20,000 in debt at 18% APR, making minimum payments could take 15+ years. Adding $200/month extra cuts that to under 4 years and saves thousands in interest.
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