Three strategies. One race.

Debt Race

Avalanche vs Snowball vs Minimum payments. Watch them race to zero. See which wins — and by how much.

// your debts

Name Balance ($) Rate (%) Min ($/mo)

Extra monthly payment $300/mo

Month 0

▲ Avalanche

Highest interest rate first. Mathematically optimal. Saves the most money.

— mo

$— interest

❄ Snowball

Smallest balance first. The psychological win. Keeps you motivated.

— mo

$— interest

◕ Minimums only

Just the minimum payments. No extra. The slow road.

— mo

$— interest

// related