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| Debt | Balance | APR % | Min/month |
|---|
Extra per month:
Want the month-by-month plan, payoff date per debt and a chart you can update? Get the spreadsheet (Excel + Google Sheets)Snowball pays the smallest balance first for quick wins. Avalanche pays the highest interest rate first and usually costs less in interest. Each debt still gets its minimum; when one is paid off, its minimum rolls into the next. This is an estimate, not financial advice.