// by seankriegler.com
Debt Snowball vs Avalanche
Compare payoff strategies — smallest balance first vs highest interest first
NameBalanceAPR %Min Payment
Extra Monthly Budget
❄️ Snowball (Smallest Balance First)
🏔️ Avalanche (Highest APR First)
// Snowball
Pay smallest balances first for quick wins and motivation. You may pay slightly more interest overall.
// Avalanche
Pay highest interest rate debts first. Mathematically optimal — saves the most money.
// Both Work
The best strategy is the one you stick with. Snowball builds momentum, avalanche saves money.