Calculateur Avalanche vs Boule de Neige
Comparez avalanche et boule de neige sur deux dettes avec le même budget—mois sans dette et intérêts totaux.
Lisez aussi: Guide avalanche vs boule de neige, Remboursement carte crédit
Comment ça marche
A debt avalanche vs snowball calculator compares payoff time and total interest when you apply the same monthly budget in different payment orders.
Même mensualité : avalanche cible le plus haut TAEG ; boule de neige le plus petit solde. Ex. : 4 200 € à 24,9 % + 9 800 € à 14,5 %, 450 €/mois—l'avalanche économise souvent des centaines d'intérêts.
Avalanche vs boule de neige
Avalanche rembourse d'abord la dette au APR le plus élevé avec le même budget mensuel ; boule de neige la plus petite pour des victoires rapides. Avalanche économise souvent plus d'intérêts.
Gardez le paiement total constant dans les deux scénarios—changer le budget invalide la comparaison.
Cartes promo 0 % changent l'ordre optimal—APR réel après période intro.
Guide, exemples et méthodologie
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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Questions fréquentes
Quelle méthode libère plus vite ?
Délai souvent proche ; la différence est les intérêts. Avalanche économise ; boule de neige motive par victoires rapides.
Minimums sur les deux dettes ?
Oui : le total couvre les minimums ; l'excédent va à la dette prioritaire. Augmentez si insuffisant.
Plus de deux dettes ?
Montre le compromis sur une paire ; avec plus de dettes, même logique de priorité.
Économie avalanche ?
Dépend des soldes et taux.
Mélanger les méthodes ?
Ciblez une dette à la fois.