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Compare avalanche and snowball. Extra payments cut years and interest — the lab shows how much.
Compare debt avalanche vs snowball strategies and see how extra payments accelerate your freedom
Choose your approach and set your extra payment amount
Targets highest interest rates first - saves more money
Any amount helps! Even $50 can save thousands in interest
Debts are ordered by your chosen strategy. Extra payments go to debt #1 first.
What could you do with an extra $11,700 per year? Vacation? Investment? Dream purchase? Your debt-free life is closer than you think!
Mathematically optimal - saves the most money by targeting high interest rates first
Psychological boost - builds momentum with quick wins by eliminating small debts first
You have 1 debt(s) above 15% interest. These should be your top priority for extra payments.
Your $200 extra payment will save you approximately 44 months and thousands in interest!
Debt avalanche minimizes total interest paid. Stay disciplined - the math is on your side!