Page 049
FINANCE TOOLS

Debt Payoff Calculator

Compare snowball vs avalanche methods. Add all your debts and see which strategy saves you the most money and time.

Your Debts
🏔️ Avalanche
Months
Total Interest
⛄ Snowball
Months
Total Interest
Avalanche Saves You
Payoff Order — Avalanche (by rate ↓)
DebtBalanceRatePaid Off
Payoff Order — Snowball (by balance ↑)
DebtBalanceRatePaid Off
Which to choose? Avalanche saves the most money (pays highest-interest first). Snowball gives faster psychological wins (pays smallest balance first). Both beat minimum payments.