Calculadora Avalancha vs Bola de Nieve
Compare avalancha y bola de nieve en dos deudas con el mismo pago mensual: meses libres e intereses totales.
Lea también: Guía avalanche vs snowball, Pago tarjeta crédito
Cómo funciona
Calculadora avalanche vs bola de nieve: compara plazo e intereses totales con el mismo presupuesto mensual.
Con el mismo pago, avalancha ataca el mayor TAE; bola de nieve el saldo menor. Ej.: 4.200 € al 24,9% + 9.800 € al 14,5%, 450 €/mes—avalancha ahorra cientos en intereses.
Avalancha vs bola de nieve
Avalancha paga primero la deuda de APR más alto con el mismo presupuesto mensual; bola de nieve ataca el saldo más pequeño para victorias rápidas. Avalancha suele ahorrar más intereses.
Mantenga el pago total constante en ambos escenarios—cambiar el presupuesto invalida la comparación.
Tarjetas con APR promocional 0% pueden alterar el orden óptimo—ingrese APR real después del intro period.
Guía, ejemplos y metodología
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.
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Preguntas frecuentes
¿Cuál me libera de deudas antes?
El plazo suele ser similar; la diferencia son intereses. Avalancha ahorra dinero; bola de nieve da victorias tempranas.
¿Pago mínimos en ambas?
Sí: el pago total cubre mínimos en ambas; el extra va a la deuda prioritaria. Si es insuficiente, suba el pago.
¿Tengo más de dos deudas?
Sirve para ver la diferencia en un par típico; con más deudas, misma lógica de prioridad.
¿Cuánto ahorra avalancha?
Depende de saldos y tipos.
¿Mezclar métodos?
Enfoque una deuda a la vez.