Your Debts

Creditor

Balance ($)

APR (%)

Min / Mo ($)

Additional Monthly Payment

Extra cash beyond all minimums each month. Even $50 more makes a significant difference over time.

How Each Strategy Works

Avalanche

Target the highest APR first. Every extra dollar attacks your most expensive debt — mathematically optimal, saves the most in interest.

Snowball

Target the smallest balance first. Smaller debts disappear quickly, building momentum — works well for motivation.

MaxDoesFinance

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Educational content only. Not investment, tax, or legal advice. Nothing on this site creates an advisory relationship. Consult a licensed professional before making decisions about your money.

Debt Payoff