GUIDE深度 · Deep dive
Avalanche vs Snowball
Avalanche pays the highest APR first and saves the most interest mathematically; snowball pays the smallest balance first for quick wins. Both beat minimum payments.
Avalanche
Sort by APR high to low, pay minimums on the rest and put extra money on the highest APR.
Saves the most interest but the first payoff may take months.
Snowball
Sort by balance low to high and clear the smallest first.
May cost more interest but gives fast feedback and is easier to sustain.
FAQ
Which is better?
The one you stick with; mathematically avalanche is slightly better.
Should I use emergency savings to pay debt?
Keep a small buffer, then pay high-interest debt to avoid relying on cards again.