Payoff Strategy

Compare snowball vs. avalanche and find your fastest path to debt-free.

SMSarah M.

Extra Monthly Payment

+$150/mo
$0 (minimums only)Total: $1,700/mo$1,000 extra

snowball Method

Lowest balance first

Selected

Payoff Time

2yr

Total Interest

$2,395

$1,700/mo total payment · $1,550 min + $150 extra

avalanche Method

Highest interest first

Payoff Time

2yr

Total Interest

$2,395

$1,700/mo total payment · $1,550 min + $150 extra

Total Balance Over Time

snowball method · $1,700/mo

Now1yrDebt-free
Chase Visa
Snowball: 1yr 5moAvalanche: 1yr 5mo
Dave Cash Advance
Snowball: 1moAvalanche: 1mo
Personal Loan – Discover
Snowball: 2yrAvalanche: 2yr
EarnIn Instant Cash
Snowball: 1moAvalanche: 1mo
ACE Payday Loan
Snowball: 2moAvalanche: 2mo
Snowball
Avalanche
snowball Summary

Debt-Free In

2yr

Total Interest Paid

$2,395

Total Paid Out

$15,980

Monthly Payment

$1,700

Payoff Order

1

Dave Cash Advance

Lowest balance — pay first

2

EarnIn Instant Cash

Then roll payments here

3

ACE Payday Loan

Then roll payments here

4

Chase Visa

Then roll payments here

5

Personal Loan – Discover

Then roll payments here