Work out debt snowball payoff instantly with clear inputs, formula shown and shareable results.
The snowball method pays the minimum on everything and throws all spare cash at the smallest balance first. It is not the cheapest order, but clearing a debt early is a strong motivator and the freed payment rolls onto the next debt.
Snowball order
Pay interest on all debts, direct surplus to the smallest balance, then roll that payment onward
Figures are estimates. Lenders apply their own rounding, fees and eligibility rules, and rates change. This is not financial advice — confirm the numbers with your lender.
Slightly more expensive when rates differ, but the quick first win improves the odds of sticking with the plan.
Then progress stalls. Cut costs or negotiate rates before choosing a payoff order.