Tackle multiple credit cards strategically. Compare Avalanche vs Snowball methods and see exact payoff timelines for all your cards at once.
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FAQ
Avalanche vs Snowball: which is better?
Avalanche: pay minimum on all cards, put extra toward highest-rate card. Mathematically optimal — saves the most in interest. Snowball: pay extra toward lowest balance first. Psychologically motivating — quick wins. Studies show Snowball has better follow-through for many people.
How do I stop accumulating more credit card debt?
Freeze your cards (literally or metaphorically), switch to a debit budget, set up auto-minimum payments to avoid penalties, and use a balance transfer to a 0% APR card if available (usually 12-18 months).
What is a balance transfer?
A balance transfer moves debt from high-rate cards to a 0% APR promotional card. Fees are usually 3-5% of transferred amount. If you can pay the balance within the 0% period, you save significant interest. This calculator does not model 0% periods.
How long does it take to pay off credit card debt?
Making only minimum payments can take 15-30+ years on large balances. Our calculator shows you exactly how long your strategy will take and how much interest you'll pay.