Money Mind Shift
Snowball vs Avalanche
Enter your debts below and see which payoff method saves you the most — and how much faster you could be debt-free if you overpay.
What debts do you have?
Include the current balance, annual interest rate, and your minimum monthly payment for each.
Can you overpay each month?
Any extra amount goes straight to your focus debt. Try different amounts to see the impact.
Smallest balance first
Builds momentum with quick wins
Highest rate first
Mathematically optimal — saves the most
Balance over time
Dots mark the moment each debt is cleared. Hover for details.
For guidance only. Results are estimates based on the information you enter and do not constitute regulated financial advice. Nothing you enter is stored, saved or transmitted — all calculations happen in your browser. If you are in serious financial difficulty, please contact StepChange (0800 138 1111) or National Debtline (0808 808 4000) for free, regulated advice.