Enter up to 4 debts and your monthly payment budget — see a side-by-side comparison of the avalanche (highest APR first) and snowball (smallest balance first) strategies.
Avalanche is mathematically optimal — it minimizes total interest paid. Snowball provides psychological wins by eliminating entire debts faster. Research shows both work; the "best" method is the one you actually stick to. The interest difference is usually $200–$2,000 over the payoff period.