Two popular strategies promise to get you debt-free, and they disagree on where to aim first. The **snowball** method attacks the smallest balance first — you feel progress fast, which keeps you motivated. The **avalanche** method attacks the highest interest rate first — it usually saves the most money. This calculator runs both on your real numbers and tells you the months to freedom and total interest for each, so you can pick the one you'll actually stick with. Enter your debts and any extra payment you can spare.
Enter each debt. Leave a row blank to skip it. Add any extra amount you can pay on top of the minimums.