Free calculator

Debt payoff planner

Avalanche pays least in interest. Snowball keeps more people going. This shows you both, with real numbers, so you can pick the one you will actually finish.

DebtBalanceAPRMin/mo

Credit card

Car loan

Personal loan

Extra you can throw at debt each month£200/mo

On top of the minimums. This slider is the whole game: drag it and watch both strategies accelerate.

Debt-free (avalanche)

34 months

Debt-free (snowball)

34 months

Avalanche saves

£0

Avalanche (highest APR first) Snowball (smallest debt first)months

Avalanche pays the highest interest rate first and always costs the least in pounds. Snowball pays the smallest balance first and buys quicker wins, which is worth real money if it keeps you going. Pick the one you will actually stick to; the worst plan is the abandoned one. Any debt above roughly 8 to 10% APR is usually worth clearing before you invest a penny.

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Educational information, not financial advice. Figures current as of July 2026 where dated; allowances and rates change, so check the source before acting.