Debt Payoff Order Calculator
Enter up to 4 debts: balance and rate for each. We sort by balance (snowball) and by rate (avalanche) and show the recommended payoff order.
Payoff order
Enter balances and rates.
How it works
Snowball: smallest balance first (psychological wins). Avalanche: highest rate first (math-optimal). We list both orders.
When to use it
Use it to choose a payoff strategy or to see which order saves more interest.
Frequently asked questions
Which saves more?
Avalanche (highest rate first) usually saves more interest. Snowball can motivate by clearing small balances.
Minimum payments?
We don't model minimums here. Assume you pay minimums on all and put extra toward one debt.