How this works
This runs two payoff strategies side by side on your list of debts: Avalanche pays extra toward the highest interest rate first (mathematically the cheapest way to be debt-free), while Snowball pays extra toward the smallest balance first (clears individual debts faster, which many people find easier to stick with). Whichever one is faster or cheaper for your numbers is marked.
Common questions
Which method actually saves more money?
Avalanche almost always saves more in total interest, since it targets the most expensive debt first — but the difference can be small if your rates are similar across debts, in which case Snowball's psychological win of clearing a whole debt sooner might be worth the small extra cost.
What happens to a debt's minimum payment once it's paid off?
That freed-up minimum payment automatically rolls into the extra amount going toward your next target debt — this is the core mechanic behind both strategies, sometimes called the "debt snowball rolling".