A structured, step-by-step system using real math — not motivation — to eliminate debt faster and save thousands in interest.
Calculate Your Payoff Timeline →Debt does not disappear with motivation. It disappears with structure. Most people stay stuck because they only make minimum payments — which mostly cover interest.
Write down:
Once you see the full picture, you can calculate your real payoff timeline.
Pay smallest balances first for quick psychological wins.
Pay highest interest rates first to minimize total interest paid.
$50,000 at 19% APR
If you only make minimum payments (around 2% of the balance), it could take 25+ years to pay off and cost nearly double what you borrowed.
But if you commit to $1,400 per month
using the Avalanche method, you could eliminate it in around 4–5 years.
Compare Snowball vs Avalanche with real numbers instantly.
Get Debt Calculator Plus →It depends on balance, interest rate, and monthly payments. Increasing payments drastically reduces total time.
Avalanche saves more money. Snowball improves motivation. The best strategy is the one you stick to.
If interest rates exceed expected investment returns, prioritize debt payoff first.