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Debt

Getting out of consumer debt: which payoff order costs least, which one people actually finish, and how much either choice matters next to simply raising the monthly amount. Includes the real cost of minimum payments and how to price a balance transfer including its fee.

April 22, 2026 · 9 min read

Avalanche vs. Snowball: What $11,400 of Card Debt Actually Costs Either Way

One method is mathematically optimal. The other clears its first debt 26 months sooner. We ran both against the same three cards and the same budget. The gap is smaller than the internet arguments suggest.

Calculators for debt

Debt Payoff CalculatorSee how long a fixed monthly payment takes to eliminate a debt and how much interest it costs.Credit Card Payoff CalculatorFind out how long a fixed monthly payment takes to clear a credit-card balance, and how much interest it costs along the way.Debt Consolidation CalculatorCompare your current debts with a single consolidation loan to see the payment and interest difference.Credit Card CalculatorFind the monthly payment needed to clear a credit-card balance within a target number of months.

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