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Pay smallest balance first for quick wins. See your debt-free date and total interest vs. minimum-only.
We simulate month-by-month payments, applying minimums to all debts then directing all extra to the lowest-balance active debt until cleared, then rolling up.
Behavioral momentum. Paying off the smallest balance first creates quick wins that keep you motivated.
Typically a small amount more interest than avalanche, but for many people the motivation pays for itself in execution.
Pay minimums on everything, then put all extra cash on the debt with the smallest balance. When it's gone, roll its payment onto the next smallest.
Yes — the method is debt-agnostic.
Capture any 401(k) match first. Beyond that, high-rate consumer debt is a guaranteed return.
Results are estimates for educational purposes only and are not financial advice. Verify with a qualified professional before making decisions.
Last updated October 2026