Strategy Comparison
Run avalanche, snowball, and custom strategies simultaneously. See side-by-side total interest, payoff timeline, and monthly payment allocation for each approach.
Three Strategies, One Dashboard
The avalanche method targets your highest-rate debt first, minimizing total interest. The snowball method targets your lowest balance first, giving you quick psychological wins. Custom order lets you prioritize any way you want. This tool runs all three simultaneously so you can see the real dollar difference between each approach.
- Avalanche: highest interest rate first for maximum savings
- Snowball: lowest balance first for fastest payoff wins
- Custom: drag debts into your preferred payoff order
- Side-by-side comparison of total interest, timeline, and monthly allocation
The Cascade Effect
When one debt is paid off, that freed-up payment rolls into the next debt on your list. This cascade creates an accelerating payoff snowball — each subsequent debt falls faster than the last. The simulator shows you exactly how each payment cascades through your debt stack month by month.
- Freed payments automatically roll to the next debt in your chosen order
- Each payoff accelerates the next — momentum builds over time
- See the cascade effect visualized on your payoff timeline chart
Sample Output
See what this feature calculates for you.
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