Avalanche saves more interest. Snowball creates faster wins. The right choice depends on your goals and habits.
Pay extra toward the highest APR debt first while staying current on all minimums. This usually minimizes total interest and the time to debt-free.
Pay extra toward the smallest balance first while paying minimums on the rest. This builds quick wins and can improve motivation.
If you are focused on saving money, Avalanche is almost always cheaper. If you struggle to stay consistent, Snowball can help you keep momentum. The best method is the one you will follow month after month.
Run the calculator and compare both methods