Put in your balances and see the payoff date, the total interest, and whether avalanche or snowball actually wins for you.
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| Avalanche (highest APR first) | — |
| Snowball (smallest balance first) | — |
| Interest saved by avalanche | — |
| Order to attack them in | — |
Avalanche always wins on maths: by clearing the highest interest rate first, every spare pound kills the most expensive debt you own. Snowball clears the smallest balance first, so you close an account sooner and get the psychological win. The honest answer is that the gap between them is usually small — this calculator shows you exactly how small for your debts. If avalanche saves you £40 total, take the snowball and the motivation. If it saves £900, take the maths.
Neither ordering matters nearly as much as the extra payment. Drag the extra field up by £50 and watch the payoff date move — that single lever beats any amount of clever debt ordering. The orderings only decide who wins by a few months; the extra decides whether you are debt-free in three years or eleven.
The calculator above gives you the answer. The Debt Payoff Plan Pack gives you the paperwork: every month of the payoff laid out line by line for each debt, avalanche and snowball side by side as a spreadsheet, and a printable 12-month tracker to tick off. One payment, no subscription, no account.
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The avalanche (highest interest rate first) always costs less in total interest, because every extra pound goes to the most expensive debt. The snowball (smallest balance first) clears an account sooner, which many people find easier to stick to. For most real debt mixes the difference is a few hundred pounds — run your own numbers above and decide with the figure in front of you.
Yes. Missing a minimum triggers fees and damages your credit file, which costs far more than the interest you would save. Pay every minimum, then put all spare money on the single target debt.
It helps only if the new rate is genuinely lower after any transfer fee, and only if you stop adding new spending to the cleared card. Re-run the calculator with the new APR to see the real saving.