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Compare avalanche and snowball repayment timelines using your balances, APRs, minimums and monthly debt budget.
Editable sample scenario. Compare avalanche and snowball against the same £450 monthly budget; entered APRs and minimums stay constant. Change an input to update the estimate.
The lower-interest result and the quicker payoff are highlighted when the model distinguishes them. Strategy colours match the charts below.
Monthly debt budget used: £450.00. Remaining balances after the model limit are shown in the comparison table.
Interest cost under the same monthly debt budget.
Months to clear all listed debt under the same monthly budget.
| Scenario | Total interest | Months | Remaining debt |
|---|---|---|---|
| avalanche | £1,136.70 | 23 | £0.00 |
| snowball | £1,165.74 | 23 | £0.00 |
| Scenario | Months | Status |
|---|---|---|
| avalanche | 23 | Reached |
| snowball | 23 | Reached |
Monthly balances after interest and payments in the model.
| Scenario | Avalanche | Snowball |
|---|---|---|
| Month 1 | £8,757.53 | £8,757.53 |
| Month 2 | £8,409.59 | £8,410.32 |
| Month 3 | £8,056.10 | £8,058.33 |
| Month 4 | £7,696.96 | £7,701.46 |
| Month 5 | £7,332.07 | £7,339.64 |
| Month 6 | £6,961.33 | £6,971.95 |
| Month 7 | £6,584.64 | £6,598.28 |
| Month 8 | £6,201.90 | £6,218.52 |
| Month 9 | £5,812.99 | £5,832.58 |
| Month 10 | £5,417.82 | £5,440.34 |
| Month 11 | £5,016.63 | £5,041.69 |
| Month 12 | £4,609.97 | £4,636.51 |
| Month 13 | £4,198.01 | £4,224.76 |
| Month 14 | £3,782.64 | £3,809.62 |
| Month 15 | £3,363.85 | £3,391.05 |
| Month 16 | £2,941.60 | £2,969.02 |
| Month 17 | £2,515.87 | £2,543.52 |
| Month 18 | £2,086.62 | £2,114.50 |
| Month 19 | £1,653.84 | £1,681.95 |
| Month 20 | £1,217.48 | £1,245.82 |
| Month 21 | £777.53 | £806.10 |
| Month 22 | £333.94 | £362.75 |
| Month 23 | £0.00 | £0.00 |
Compare two deterministic ways to direct a fixed monthly budget across three debts. This does not recommend borrowing or consolidation.
This calculator has no account-saved inputs. A valid value in the address-bar link initializes that field; missing or invalid fields use the editable example. Changes update the shareable URL.
Minimum payments are made before the extra payment is directed to the selected target. Avalanche targets the highest entered APR; snowball targets the smallest entered balance. Fees, promotional-rate changes and creditor-specific allocation rules are not modeled. If the modeled balance does not fall, the entered monthly budget may not cover interest; check lender statements and terms before acting.
These official sources provide general UK money guidance. They do not validate an individual result as financial advice.