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Compare Avalanche (highest interest) and Snowball (smallest balance) debt payoff methods. Track multiple debts and visualize payoff timelines.
Total Debt Balance
₹28,200
Debt-Free In
2.1 Years
Total Interest
₹2,739
Debt-Free In
2.1 Years
Total Interest
₹2,739
Visualizing how your principal amount and interest grow over time.
(Total Months to Payoff)
Visualizing the components of your annual payments.
(Lower is better)
Credit Card 1
₹5,000 @ 18.99%
Month 10
0.8 Years
Personal Loan
₹8,000 @ 11.5%
Month 17
1.4 Years
Car Loan
₹12,000 @ 6.5%
Month 25
2.1 Years
Credit Card 1
₹5,000 @ 18.99%
Month 10
0.8 Years
Personal Loan
₹8,000 @ 11.5%
Month 17
1.4 Years
Car Loan
₹12,000 @ 6.5%
Month 25
2.1 Years
| Strategy Metric | Avalanche | Snowball | Winner |
|---|---|---|---|
| Payoff Duration | 2.1 Years | 2.1 Years | Tie |
| Total Interest Paid | ₹2,739 | ₹2,739 | Snowball |
| Psychological Motivation | Moderate | High (Early Wins) | – |
Whether you prefer the mathematical efficiency of the Avalanche method or the psychological momentum of the Snowball method, the key is having a consistent plan to eliminate debts.
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