Compare snowball (smallest balance first) vs avalanche (highest rate first). Extra monthly payment accelerates freedom.
| Name | Balance | APR % | Min pay |
|---|---|---|---|
Months to debt-free
49
4.1 years
Est. total interest
$5,069
Pay order
Credit card → Auto loan → Student loan
Illustrative amortization. Minimum payments and rates should match your statements.
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After high-interest debt is gone, the same extra payment can fund long-term investments.
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Next: read the sequence
What to do with the number, before another tool or another calculator.
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