Debt Payoff Calculator
Calculate how long it takes to pay off debt with your current payments or an accelerated plan. Compare snowball and avalanche strategies. Free debt payoff calculator.
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What is the difference between snowball and avalanche methods?
The snowball method pays off the smallest balance first regardless of interest rate, giving you quick wins that build momentum. The avalanche method targets the highest interest rate first, which saves the most money over time. The calculator shows the dollar difference between the two so you can decide whether the extra savings justify the slower initial progress.
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