Planning · Debt Payoff · T026

The debt demolition

Add your debts and watch two payoff plans — Snowball vs Avalanche — race to zero, so you can see which clears your debt sooner and cheaper.

1Your debts
2Power payment
Extra each month$0

3The demolition
block height = balance · colour = APR heat

Same minimums on every debt — the only difference is which one your spare money kills first.

⚲ Identical path
Snowball
attacks the smallest balance first
VS
Avalanche
attacks the highest APR first
Month 0 · today
Add a debt and set your extra payment to watch the race.

How it works: each month interest is added to every balance, minimums are paid on all debts, and every spare dollar — your extra plus the freed-up minimums of any debt you've cleared — is thrown at one target. Snowball demolishes the smallest balance first (quick wins that keep you going). Avalanche demolishes the highest APR first (least interest, the mathematically optimal path). Everything is computed in your browser; nothing about your debts leaves this page.