Calculadora de Quitação de Dívidas Online Grátis
Multi-debt snowball vs avalanche strategy comparison with payoff timeline
The Debt Payoff Calculator compares the Avalanche (highest interest rate first) and Snowball (smallest balance first) debt elimination strategies across all your debts simultaneously. Enter each debt, and the calculator shows the payoff order, monthly payment allocation, interest saved, and total months to debt-free under each strategy.
Frequently Asked Questions
Sobre Esta Calculadora
The debt avalanche and debt snowball are the two most widely recommended debt elimination strategies, and they produce meaningfully different results. The avalanche method — paying minimums on all debts except the highest-interest one, which gets all extra payments — minimizes total interest paid. The snowball method — targeting the smallest balance first — creates faster early wins that help maintain motivation.
Mathematically, avalanche always wins on total interest. But behavioral research suggests that many people abandon debt payoff plans that feel too slow — and the snowball's early payoffs (eliminating small debts quickly) help keep people on track. The right strategy is ultimately the one you'll stick with.
This calculator shows both strategies side by side: the full payment schedule, which debt gets paid off when, total interest under each approach, and months until completely debt-free. For most people with a mix of credit card, car loan, and student loan debt, the interest difference between strategies is modest compared to the behavioral factor — and seeing the comparison makes the trade-off concrete.
Esta Calculadora monta um cronograma de pagamento para zerar seus débitos.
Exemplo Resolvido
Comparing Avalanche vs Snowball on three debts totalling $14,500
Entradas:
- Credit card A: $3,200 balance, 24% APR, $80/month minimum
- Credit card B: $5,800 balance, 19% APR, $145/month minimum
- Auto loan: $5,500 balance, 8% APR, $175/month minimum
- Extra monthly payment available: $300
Passo a Passo:
- Avalanche: direct extra $300 to Credit card A (24%). Pay off in 9 months. Then direct freed payment to Credit card B — paid off at month 22. Auto loan clears at month 27.
- Snowball: direct extra $300 to Credit card A (smallest balance). Same result in this case — but if balances differed, snowball would target smallest first regardless of rate.
- Avalanche total interest: $3,847 | Snowball total interest: $4,012 | Difference: $165
- Debt-free month: 27 under both strategies for this scenario
Dicas
- Avalanche method (highest rate first) saves most interest. Snowball (smallest balance first) provides motivation.