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Debt & Credit
Compare two debt-repayment ordering strategies under the same payment budget.
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FinTrex result
Debt Snowball vs Avalanche Calculator
Estimated interest saved with avalanche
$1,137
Snowball payoff time
3y 0m
Avalanche payoff time
2y 11m
Projection over time
Period 0 to 3
Peak $28,000
What changes this most?
The highest-rate debt is creating the largest mathematical drag, which is why avalanche reduces interest in this model.
Sensitivity check
A roughly 10% move in debt 2 rate changes the modeled headline result by up to $200 in this setup.
Avalanche often minimises interest mathematically; snowball can provide earlier balance wins. The best practical method is the one you can consistently follow.
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Milestones
Milestones make the final figure easier to evaluate and help you spot when the curve changes most.
Period 1
$19,743
Period 2
$9,828
Period 2
$9,828
Period 3
$0
Formula
Both methods make minimum payments on all debts and direct the extra payment to one target: lowest balance first for snowball, highest interest rate first for avalanche.
Three debts are modeled with fixed rates and minimum payments. No new borrowing, fees, promotional-rate changes, or missed payments are included.
Editable rates, growth assumptions, prices, fees, and percentages are planning inputs unless the calculator explicitly identifies a current source.
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