Total Debt Summary
Debts — Snowball Order (Smallest → Largest)
Pay minimums on all cards. Throw every extra dollar at the smallest balance first. When it's gone, roll that payment into the next one.
Snowball vs Avalanche Comparison
💡 Recommendation: The Avalanche method saves more money in interest but requires discipline on large balances. The Snowball method provides quick wins and psychological momentum — Dave Ramsey recommends it for most people. Given the significant debt spread here, consider a hybrid: snowball the small ones quickly (they're nearly paid off), then switch to avalanche when tackling the big ones.
Monthly Payment Calculator
Payoff Projections
Enter your monthly payment budget and click Calculate.
Projected Payoff Date
At minimum payments only — click Calculate above to see custom projections. Based on estimated 22.5% average APR across all credit accounts.
| # | Account | Balance | Min Payment | Est. Months to Pay Off | Est. Payoff Date | Total Interest Paid |
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