Debt Payoff Calculator UK: Snowball vs Avalanche

The debt payoff calculator compares two strategies: snowball (smallest balance first) and avalanche (highest rate first).

The avalanche method always saves more money in interest, but the snowball gives faster psychological wins.

An extra monthly payment on top of minimums is the single biggest lever for becoming debt-free sooner.

Most UK households can shave years and thousands of pounds off their debt with an extra £100 to £200 a month.