Avalanche vs snowball calculator

Pay every minimum. All extra cash hits one target. Snowball = smallest balance first. Avalanche = highest APR first. Primer: which method actually wins. One-card twin: credit card payoff. 0% window: balance transfer.

Three debts

Debt A — balance / APR % / min Debt B — balance / APR % / min Debt C — balance / APR % / min Extra per month ($)

Which costs less

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Ignores late fees, penalty APRs, and 0% promo windows. Keep a one-month cash buffer so the next surprise does not restart the card. Keep any 401(k) match. Educational only — not credit counseling.

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