Model snowball vs avalanche payoff plans, see interest and months to debt-free, and get a clear payoff order.
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Quick answers to common questions
You pay minimums on all debts, then put every extra rupee toward the smallest balance first. Paying off small debts early can feel motivating.
Same idea, but extra payments go to the highest interest rate first. That usually minimizes total interest paid.
Compare both in this tool. If the interest difference is small, snowball’s early wins may help you stick with the plan. If the gap is large, avalanche usually saves more money.
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snowball
27 months
Interest: ₹52,566
Smallest balance first — quicker early wins
avalanche
27 months
Interest: ₹52,566
Highest APR first — usually less interest
Both strategies — balance over time
Payoff order (avalanche)