Debt Strategies: Avalanche vs Snowball

Avalanche pays the highest interest rate first — mathematically optimal. Snowball pays the smallest balance first — fastest wins to stay motivated. The best strategy is the one you’ll stick to.

When to use Avalanche

Multiple high‑APR accounts and you’re disciplined with payments.

When to use Snowball

You want quick wins and fewer open accounts to manage stress.

See your payoff order and months to debt‑free: Open the Debt Optimizer.