This is an educational fixed-minimum monthly model, not a lender statement. It does not calculate percentage-based card minimums, fees, deferred interest, delinquency, tax, credit scores or program eligibility. Verify terms with the lender or servicer; do not infer approval or a guaranteed outcome.

Compare and inspect

Snowball retains original-balance order, with input order breaking ties. Avalanche targets the highest current APR. Active minimums are paid first; unused monthly cash cascades immediately. Both strategies use the same regular and dated cash.

Unused budget from a cleared debt is available to the next target in the same month. Its full fixed minimum remains in later monthly budgets. Initially settled debts never add artificial cash.

A horizon is not a payoff

Simulation is bounded at 600 months, 30 debt rows and supported financial magnitudes. A remaining balance has no payoff date or lifetime savings claim. Future rate events and one-time payments can change whether the plan eventually repays.

Minimum-only comparisons use no extra or one-time cash. Snowball versus avalanche comparisons retain identical budgets and dated payments. Differences are conditional model results, not guarantees or instructions to select one strategy.

After-debt cash or investment illustration

After-debt cash is a separate illustration. Only the regular payment budget is freed; one-time payments do not become recurring investment contributions. Retain cash at zero return or explicitly choose an assumed investment return. Fees, tax, market volatility and existing household assets are excluded.

Review privacy and exports

Saving on this device is optional. Share starts with a clean link; explicitly select financial figures and nicknames, review the preview, then copy. CSV and Print include entered assumptions and every allocation. Exported files can contain private financial information.