Debt · Calculator

Free Snowball vs Avalanche Side-by-Side

What is a snowball vs avalanche side-by-side?

This free calculator helps you compare payoff order for two debts under each method.

Enter your numbers below — results update as you type. Then turn the plan into category caps in Ziko.

Compare payoff order for two debts under each method

Track the plan in Ziko — free, no bank login.

Real-life example (try this in the calculator)

Try the sample numbers with Use example.

Line item Amount Calculator field
Debt 1 balance ($) 1200 Debt 1 balance ($)
Debt 1 APR (%) 18 Debt 1 APR (%)
Debt 2 balance ($) 4000 Debt 2 balance ($)
Debt 2 APR (%) 24 Debt 2 APR (%)
Extra monthly toward debt ($) 150 Extra monthly toward debt ($)
Results update instantly from your inputs.

Adjust any field to match your situation.

How to read your results

  • Main result — Primary output for planning.
  • Secondary — Supporting figure for context.

Ready to use this in a real month? Create a free Ziko account.

Quick questions

It is an estimate for planning. Use your real pay stubs and statements for final numbers.
No — try the calculator free. Create a Ziko account when you want ongoing tracking.
Yes. Set matching category caps in Ziko and review weekly.

Turn this into a real monthly plan. Set income, caps, and alerts in Ziko — free, no bank login.

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