Calculate time and interest to pay off credit card debt.
Budget must be at least (total minimum payments)
Pay minimums on all cards, extra goes to highest APR
Total Interest
Payoff Time
Pay minimums on all cards, extra goes to smallest balance
Total Interest
Payoff Time
Total Interest
Total Interest
Total Interest
âś… Debt Avalanche is mathematically optimal
You'll save in interest by focusing on highest APR cards first.
âś… Debt Snowball provides psychological wins
While it costs more, you'll see progress faster with smaller balances paid off first.
⚖️ Both methods are very similar
The difference is minimal, so choose the method that motivates you most.
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