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Snowball clears small balances first. Avalanche kills high rates first. Both work — this shows what each one does to your payoff date.
Add balance, interest rate, and minimum payment for each.
Snowball clears smallest balances; avalanche kills highest rates.
Extra payment rolls down the queue as debts close.
each month: balances grow by APR ÷ 12, then payments apply by strategy orderFreed minimums roll to the next debt until every balance reaches zero.
Attack the 36% card first and watch interest shrink.
Test bonus-sized extra payments against your debt-free month.
Pick one strategy together and track one date.
Show progress visually without spreadsheets.
Get the printable tracker, the monthly review ritual, and the scripts for rate-reduction calls with lenders.
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