Schulden Avalanche vs Snowball
Vergleichen Sie Avalanche und Snowball bei zwei Schulden mit gleichem Budget—Monate schuldenfrei und Gesamtzinsen.
Lesen Sie auch: Schneeball vs Lawine Ratgeber, Kreditkarten-Tilgung
So funktioniert es
A debt avalanche vs snowball calculator compares payoff time and total interest when you apply the same monthly budget in different payment orders.
Gleiche Rate: Avalanche tilgt höchsten Zins zuerst; Snowball kleinsten Saldo. Beispiel: 4.200 € bei 24,9 % + 9.800 € bei 14,5 %, 450 €/Monat—Avalanche spart oft Hunderte an Zinsen.
Lawine vs Schneeball
Lawine tilgt zuerst höchsten APR bei gleichem Monatsbudget; Schneeball zuerst kleinste Restschuld für schnelle Erfolge. Lawine spart meist mehr Zinsen.
Gesamtzahlung in beiden Szenarien konstant halten—Budgetänderung macht Vergleich ungültig.
0%-Promo-Karten ändern optimale Reihenfolge—echten APR nach Intro-Phase eingeben.
Leitfaden, Beispiele und Methodik
How to use this debt avalanche vs snowball calculator
Enter balance and APR on two debts (or use the same tool twice for more). Set the total monthly payment you can afford across both. Avalanche applies extra dollars to the highest interest rate first; snowball clears the smallest balance first while paying minimums on the rest. The calculator holds your budget constant so you see months to debt-free and total interest for each method.
Avalanche vs snowball — which saves more interest?
Mathematically, avalanche almost always minimizes total interest when rates differ meaningfully. Snowball can win on behavior: quick wins from zeroing small balances keep people paying extra. If the rate gap is small (under ~2 percentage points), the interest difference may be modest—pick the order you will actually follow for 12+ months.
Example (USD)
| Debt | Balance | APR | Min payment |
|---|---|---|---|
| Credit card A | $4,200 | 22.9% | $84 |
| Personal loan B | $9,800 | 11.5% | $210 |
| Extra budget | $150/mo | — | Applied per method |
Common mistakes
- Comparing methods with different total monthly payments.
- Ignoring promo 0% APR end dates on balance-transfer cards.
- Stopping extra payments after the first balance hits zero.
- Refinancing to a longer term that lowers payment but raises total interest.
Hybrid and blended strategies
Some households run a modified snowball—clear a tiny balance for momentum, then switch to avalanche on the remainder. This calculator shows the pure methods side by side; if you blend, model the first 90 days separately and then re-run with one debt eliminated.
When to pair with other tools
If you only have one high-rate card, use the credit card payoff calculator for avalanche/snowball on a single balance. For mortgage or auto loans in the mix, run loan amortization separately—this comparison tool is built for two consumer debts with fixed extra payment rules.
How we calculate
Both methods pay contractual minimums on each debt every month until one balance hits zero; your total monthly budget (minimums plus extra) stays fixed. Avalanche directs all surplus to the highest APR; snowball directs surplus to the smallest balance. Total interest sums monthly interest accrual until both balances are zero. We do not model variable rates, penalty APR resets, or settlement offers—use lender statements for those cases.
Staying on track after you pick a method
Automate the extra payment on payday so the method survives busy months. When the first debt is gone, roll its entire payment into the survivor—do not absorb the freed cash into spending or the math advantage disappears. Re-run the calculator after any rate change or balance-transfer promo ends.
Related calculators
- Kreditkarten-Tilgungsrechner
- Notgroschen-Rechner
- 50/30/20-Budget-Rechner
- Sparschnipsel Schuldenabbau Rechner
Häufige Fragen
Welche Methode ist schneller schuldenfrei?
Dauer oft ähnlich; Unterschied bei Zinsen. Avalanche spart Geld; Snowball motiviert durch frühere Null-Salden.
Mindestzahlungen auf beide?
Ja: Gesamtrate deckt Mindestzinsen beider; Rest zur Prioritätsschuld. Bei zu niedriger Rate erhöhen.
Mehr als zwei Schulden?
Zeigt den Trade-off an einem Paar; bei mehr Schulden gleiche Prioritätslogik.
Zinsersparnis Avalanche?
Hängt von Zinsen und Salden ab.
Methoden mischen?
Eine Schuld zuerst tilgen.