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Combine every card into one payoff plan. Compare avalanche and snowball against paying only minimums.
Every month we (1) accrue interest at APR/12 on each card, (2) apply each card's minimum, then (3) direct the extra payment to the target card chosen by the strategy. When one card hits zero, its minimum rolls into the extra pool automatically.
We use max(2% of balance, $25) — the standard issuer rule. You can override the min per card.
Avalanche always pays less total interest; snowball clears individual cards faster which many people find more motivating.
In this model each card's min stays at what you enter, which matches how most people budget. Real issuer minimums do float down with balance.
Its minimum rolls into the extra payment applied to the next target card — the classic 'debt roll-up' effect.
Yes — click '+ Add debt' to add as many as you have.
Results are estimates for educational purposes only and are not financial advice. Verify with a qualified professional before making decisions.
Last updated October 2026