Debt Snowball vs Avalanche Calculator
Compare smallest-balance-first with highest-rate-first repayment.
Avalanche: months to debt-free
An illustration based on your inputs, not a quote or recommendation.
Read the formula and assumptions below before making a decision.
Debt Snowball vs Avalanche: worked example
This is an illustrative scenario using the default inputs, not your personal result. Amounts use AED for illustration; the general formula also accepts your own figures in the selected currency.
| Input | Example value |
|---|---|
| Debt A balance | AED 5,000.00 |
| Debt A annual rate | 8% |
| Debt A minimum payment | AED 150.00 |
| Debt B balance | AED 15,000.00 |
| Debt B annual rate | 24% |
| Debt B minimum payment | AED 400.00 |
| Total monthly debt budget | AED 1,000.00 |
Avalanche: months to debt-free: 25 months
- Avalanche interest: AED 4,255.85
- Snowball months: 26 months
- Snowball interest: AED 5,292.22
Before you use this estimate
Enter both debts and minimum payments, then choose a total budget that covers those minimums. The model rolls freed payments into the remaining balance.
What is the difference between snowball and avalanche?
Snowball directs extra money to the smallest balance. Avalanche directs it to the highest rate. Both pay the entered minimums on other debts and keep the overall budget constant.
How the calculation works
Assumptions & limitations
Two debts, fixed nominal rates and fixed minimum amounts; no fees or new borrowing. A budget that does not clear debt within 100 years is flagged.
Use the result thoughtfully
Try a second scenario to see how a change in costs, timing or contributions affects the result. Keep all amounts in one currency and use consistent periods. Confirm important figures against your own records before acting.
Last reviewed: 3 November 2026 · Method and example review by CashOrbits.
Full precision is used for calculations; displayed amounts are rounded.