Escape the Debt Trap
Snowball vs. Avalanche Calculator
Enter your debts and extra monthly payment. See both strategies run against your real numbers — total interest, payoff timeline, and when each account clears.
Your Debts
Debt 1
$
%
$
Debt 2
$
%
$
Amount above minimums you can put toward debt each month
$
Wide spreadAPR range: 10% to 27% (17.0-pt spread)
Snowball
Lowest balance first
2 yr 5 mo
to pay off everything
$2,836
total interest paid
Avalanche
Highest APR first
2 yr 3 mo
to pay off everything
$2,238
total interest paid
Avalanche finishes 2 mo faster
Avalanche saves $598 interest
Total Balance Remaining
AvalancheSnowballDebt paid off
When Each Debt Clears
| Debt | Balance | APR | Snowball | Avalanche |
|---|---|---|---|---|
| Personal Loan | $2,500 | 10% | 10 mo | 2 yr 3 mo |
| Credit Card | $6,000 | 27% | 2 yr 5 mo | 2 yr 1 mo |
What the numbers say
A 17.0-point spread is significant. By attacking the 27% balance first, avalanche saves $598 in total interest. The chart shows the gap clearly. The math makes a strong case — though motivation is always a real factor in staying the course.
Join the Launch Waitlist
Arriving July 6, 2026
See your real payoff path — every month, automatically
aiSmartBudget connects your accounts and tracks both strategies against your live balances. No spreadsheet. No manual updates.