💳 Finance
Debt Payoff Tracker
Add your debts and compare avalanche (lowest interest cost) vs snowball (psychological wins) payoff strategies.
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Your debts
Total Debt
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Total Minimums
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Debt-Free Date
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Total Interest
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Payoff order
Avalanche vs. Snowball
Avalanche: Target highest interest rate first. Minimizes total interest paid — mathematically optimal.
Snowball: Target smallest balance first. Gets early wins that keep motivation high.
Both methods work — the best one is the one you stick with.