Debt Snowball vs. Debt Avalanche Analyzer
The two most popular debt payoff methods are the Debt Snowball and the Debt Avalanche. The Snowball method provides quick motivation, while the Avalanche method saves the most money. Input your debts and see which one is the right choice for you!
Your Debts and Budget
| Debt Name | Balance (₹) | APR (%) | Min. Payment (₹) | Action |
|---|---|---|---|---|
Comparison Results
Debt Avalanche Strategy
The **cheapest** way to pay off debt.
Months to become Debt-Free
Total Interest Paid
Payoff Order (Highest APR First)
| Debt | APR | Initial Balance |
|---|
Debt Snowball Strategy
The most **motivational** way to pay off debt.
Months to become Debt-Free
Total Interest Paid
Payoff Order (Smallest Balance First)
| Debt | Balance | APR |
|---|
Snowball vs. Avalanche: Which is Right for You?
The choice between the Debt Snowball and Debt Avalanche is a decision between **mathematics** and **psychology**.
- **Debt Avalanche (Save Money):** You attack the debt with the highest Annual Percentage Rate (APR) first. Since this debt is accruing interest the fastest, eliminating it first minimizes your overall interest payments. This is the financially optimal strategy.
- **Debt Snowball (Gain Momentum):** You attack the debt with the smallest balance first, regardless of the interest rate. The goal is to get a debt payoff "win" quickly. The minimum payment from the paid-off debt is then added to the next smallest debt, building a "snowball" of payments. This is often better for those who need motivation to stick to the plan.
Use the calculator to see the exact trade-off: how many months and how much money you save with the Avalanche method versus the motivational gain of the Snowball method's quicker wins.
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