Avalanche vs snowball — which is better?

Avalanche (highest APR first) usually saves the most interest. Snowball (smallest balance first) often wins on motivation. The costly mistake is switching methods every month. Pick one, stick to it for 90 days, and let the calculator show the debt-free date under each path.

Debt payoff calculator Ask another

Source: FAQ: Debt & credit. Educational only, not advice. Facets: topic debt · capital none · hours/week 2 · skill beginner.