Which saves more money?

Avalanche almost always minimizes total interest when rates differ meaningfully.

What about one credit card?

Use the credit card payoff calculator for a single revolving balance.

Debt Snowball vs Avalanche

Motivation vs minimum total interest

Snowball pays smallest balances first for quick wins. Avalanche pays highest APR first to minimize interest. Both need a fixed monthly pool above minimums.

Debt snowball

Order debts smallest to largest; roll payments forward as each clears.

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Debt avalanche

Target highest APR first while paying minimums on the rest.

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Bottom line

If APR gaps are large, avalanche usually saves more. If you need momentum, snowball the smallest balance then switch to avalanche.

FAQ

Which saves more money?: Avalanche almost always minimizes total interest when rates differ meaningfully.
What about one credit card?: Use the credit card payoff calculator for a single revolving balance.

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