Two competing debt-payoff strategies. Avalanche: pay highest-APR first (math-optimal). Snowball: pay smallest-balance first (motivation-optimal). This calculator simulates both for your actual debts so you can see exactly how much each saves — and which gives faster wins.
Math-optimal — saves the most money
Faster wins for motivation
The mathematical edge of paying high-APR debt first. If you can stick with it psychologically, choose avalanche. If you need quick wins to stay motivated, choose snowball.