Debt payoff: snowball vs avalanche
Two strategies for escaping multiple debts — timeline and interest simulation
Your debts
Snowball (smallest first)
Card → Consumer → Car
Avalanche (highest rate first)
Card → Consumer → Car
Strategy difference: 0 ₴, 0 mo
'Avalanche' (highest rate first) is mathematically always cheaper or equal. 'Snowball' (smallest first) gives quick wins and motivation — studies show people finish it more often. If the interest difference is small, pick snowball.
Simulation is capped at 50 years; with too-small payments a debt may never amortize.
Over Schulden aflossen
Schulden aflossen — snowball vs avalanche strategies: timeline and interest simulation. Financiën: schulden, lening of sparen, kosten, verdelen, kind, cashback, levensverzekering. Gebruik onze tools zonder registratie of software-installatie. Alle berekeningen gebeuren in uw browser — uw gegevens worden nooit naar een server gestuurd.