Strategy
Side-by-side comparison. Switch anytime — your plan adapts.
Highest APR first
Avalanche
Mathematically optimal — least total interest.
- Debt-free
- May 20260 mo
- Total interest
- $0
- Monthly extra
- $0
Smallest balance first
Snowball
Best for motivation — fastest first win.
- Debt-free
- May 20260 mo
- Total interest
- $0
- Monthly extra
- $0