Debt Plan — snowball vs avalanche
Enter your debts and a monthly extra, and see both methods at once: snowball clears the smallest balance first for quick wins; avalanche clears the highest interest rate first to pay the least. Same maths as our tested spreadsheet.
Your debts
Add each balance you’re paying off — a card, loan, overdraft or Buy-Now-Pay-Later plan.
Snowball
Smallest balance first — quick wins- Store cardOctober 2026 · £0.00 interest
- Credit card AMarch 2027 · £131.16 interest
- Credit card BOctober 2027 · £241.97 interest
Avalanche
Highest APR first — least interest- Credit card AJanuary 2027 · £75.66 interest
- Credit card BAugust 2027 · £209.86 interest
- Store cardOctober 2027 · £0.00 interest
Both clear in the same number of months here — the whole difference is interest. Snowball clears small balances sooner, which some people find easier to stick to. The maths is the same either way — you choose.
Self-directed planning tool, not financial or debt advice. It compares two well-known payoff methods on the figures you enter and makes no recommendation about what you should do. For free, impartial debt help see MoneyHelper or National Debtline.
Debt Snowball & Avalanche Dual-Method Tracker
This planner shows the outcome. The full Debt Snowball & Avalanche spreadsheet shows the whole month-by-month schedule for both methods, with the automatic rollover you can watch happen.