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Debt payoff calculator (avalanche vs snowball)

List your debts and compare the avalanche and snowball methods side by side.

Avalanche (highest rate first)

2 yr 9 mo

Estimated interest: $3,491.66

Payoff order: Store card → Credit card → Car loan

Snowball (smallest balance first)

2 yr 9 mo

Estimated interest: $3,491.66

Payoff order: Store card → Credit card → Car loan

Avalanche usually costs less interest; snowball gives quicker early wins. Either works best when you stick with it.

Estimates for general education only — not financial, lending or tax advice. Actual rates, payments, fees and terms depend on the lender and your situation; confirm with a qualified professional.

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